I would suggest that you look more into your wealth protection
first ie. More insurance that would cater to your possible loss of
income and medical bill should you come into any mishap.
Once that is done, then proceed your saving plan, take note that
you should not let your saving idle in bank, your money should be
working harder than you ie. invest them in stocks if you are risk
adverse, invest in singapore govt Bill, at least the return is
higher than fixed deposit or saving deposit from Bank.
Roll your money if not life will roll you over.
