Free Cash Is Coming This December: What Will You Do With Yours?
Starting 5 December 2025, around 3 million Singaporeans will receive cash payouts between S$100 and S$600 — part of the government’s enhanced Assurance Package (AP) announced in Budget 2023.
These payouts are meant to help households cope with rising living costs, and will continue every December until 2026, totaling S$700–S$2,250 per eligible adult over five years.
Who gets what?
💡 Tip: Link your PayNow-NRIC by 23 Nov to receive the payout fastest — by 5 Dec! Otherwise, you’ll get it later via GIRO or GovCash.
🗣 Let’s Talk — What Would You Do With the Cash?
Some people plan to:
💳 Offset year-end expenses or Christmas gifts
💹 Add to investment portfolios (S-REITs, T-bills, stocks)
🎓 Use for education or skills upgrading
We’d love to hear from you —
How will you use your AP cash this year?
Would you rather spend it, save it, or invest it?
If you invest, where would you put your S$600 — fixed deposits, REITs, or even Bitcoin?
🎁 Community Challenge:
Share your “AP Cash Plan” below — we’ll reward 10 most creative answers with 50 Tiger Coins each!
Each participating tiger would get at least 5 tiger coins!
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If I received the payout, I’d likely allocate it toward investments such as S-REITs, T-bills, or even add to my existing ETF portfolio. These options strike a good balance between stability and steady returns, especially in today’s uncertain environment. The goal would be to turn a one-off payout into a small but growing income stream.
That said, I’d also view it as an opportunity to practice disciplined investing — treating it not as “free money” but as capital that deserves thoughtful allocation. After all, building wealth starts with how we manage every dollar, no matter how small.
@Tiger_SG @TigerStars @Tiger_comments
如果把用途分三个方向：花、存、投，我会偏向“花一点、存一点、投一点”的混合做法。年底节日多，适当用一小部分去缓解日常压力——比如补贴圣诞礼物或家庭聚餐——我觉得是合理的；毕竟 AP 本来就是为了减轻生活负担。
但我会把大部分放在更长远的地方。例如当前利率虽然回落，但高息储蓄账户和短期定存依旧有不错的年化回报，把 300–400 新币放进去，风险最低、最省心。如果要投资，我会分小额进入 S-REITs 或国库券，追求稳稳的现金流；比特币则只会放一点点“探索性仓位”，更多是长期配置，而不是短线赌博。
对我来说，这笔 AP 现金不是“奖励金”，更像是一个重新调整小额预算的机会，既能减压，也能为未来多铺一点缓冲。
Unless there is anything essential snd urgent, it will be wiser to save up. I will be looking to save it and invest a portion into something safe, maybe government bonds?
Best not spend too carelessly what with the unstable situation all over. It feels like someone can sneeze wrong and we will be into a recession...
On a lighter note, the holiday season is almost upon us, Merry Christmas, and a Happy 2026!
从保证套餐中花费600新加坡元的一个有意义的方式是将目标分成三大支柱：给予、成长和馈赠。
我会把三分之一捐给圣文森特·德·保罗协会，这是一个支持3800多名低收入和弱势新加坡人的慈善机构。这将有助于为有需要的人提供食物、教育、住房和情感支持。
另外三分之一将用于投资 $STI ETF(ES3.SI)$ 它代表了30家最优秀和最强的新加坡公司。我相信新加坡的未来。
三分之一会给我爱的人买圣诞礼物，一些他们会珍惜的有意义的东西。
当我用这笔钱给予、成长和给予时，我带着SG60的精神。
@Tiger_SG @TigerStars @Tiger_comments @TigerClub @CaptainTiger
正好可以減少CNY的開支。