When the AP cash arrives this December, I'm not planning to splurge it immediately. Even though the payout feels like a bonus, I still view it as part of my overall budget. So my first step is to check if I have any upcoming year-end expenses — travel, insurance renewals, or festive gatherings — that the cash can offset. Reducing financial stress is a perfectly valid use too.
But if I don't need to spend it, I prefer to treat this AP money as "opportunity capital." Instead of letting it sit idle, I want it to work for me. At the very least, it should go into a high-yield savings account or fixed deposit to earn a guaranteed return while staying liquid for 2026.
That said, my inclination is still to invest. A small lump sum like S$600 is perfect for topping up my existing positions rather than opening something new. For me, that usually means continuing my structured approach — either adding to my DCA positions or reinforcing sectors I already believe in. Small amounts grow meaningfully when I'm consistent.
I'm unlikely to put the money into REITs right now because the rate environment is still uncertain, and I prefer to wait for clearer signals. If I were to take a small speculative angle, Bitcoin would be interesting, but only as a tiny satellite position and not something I'd rely on for core returns.
So my AP Cash Plan is simple: cover any necessary expenses first, park the rest in a safe yield instrument, and invest whatever remains into my long-term strategy. Treating even S$600 with intention aligns with the way I manage my portfolio — steady, disciplined, and focused on making each dollar count.
As a retail investor, I focus mainly on the US and Singapore markets, combining a mix of technical trading and long-term investing strategies. I enjoy analyzing charts, spotting patterns, and making calculated moves based on both market sentiment and fundamentals. While I'm not a professional, I treat my portfolio seriously and continue to learn and grow with each trade. If you're also navigating the markets and enjoy discussing stocks, options, or market trends, feel free to follow me. Let's learn and grow together as a community.
@Tiger_SG @TigerStars @Tiger_comments
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