I will invest into crypto, finding the rite stock to begin learning. 

Need to give more packages to help grow people in the economy will help people help the people grow helps the economy 

Sqqq anyone? Need opinion

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 t

Invest in good quality stocks and let it grow infinitely.

Whenever the government provides any subsidy or cash payout, I usually invest it in gold through OCBC. This approach has given me more than 35% returns so far.

How will you use your AP cash this year?: I am not fortunate enough to receive such money. But let me stick with what I do with such windfalls or unexpected amounts I receive in the usual course. Would you rather spend it or save it or invest it?: I always invest such windfalls, however small they might be. If you invest, where would you put your S$600 fixed deposits, REITs, or even Bitcoin?: Unit Trusts always

100-600 might look small, ... Our Gov put in afford to help, pls use it wisely. ( we are the one the paid the taxes) Just in time to reduce CNY expenses.

Here’s my AP Cash Plan—practical, steady, and aligned with a long-term mindset: Spend: I would set aside a small portion for essentials, especially rising year-end costs such as transport, groceries, or festive gatherings. A modest buffer for daily needs keeps life stable. Save: At least half would go into short-term reserves. With economic uncertainty and higher living expenses, maintaining liquidity is prudent. A high-interest savings account or a short-tenure fixed deposit offers both safety and respectable yield. Invest: If I allocate a portion, it would be towards broad-based, income-generating assets. REITs remain attractive at current yields, provided the gearing is healthy and sector outlook stable. Bitcoin is too volatile for a government payout meant to cushion household expenses

Executive Summary A broad market crash, particularly one triggered by or heavily impacting the technology sector, would have a severe and disproportionate impact on both Nvidia and Palantir. Their high valuations, dependence on growth narratives, and cyclical customer bases make them vulnerable. The contagion would spread through the entire US tech ecosystem (semiconductors, software, cloud infrastructure) and have a significant, though more muted, impact on Singapore's market, primarily through its globally exposed banking, tech manufacturing, and real estate sectors. --- Part 1: Direct Impact on Nvidia and Palantir A. Nvidia (NVDA) Nvidia is arguably one of the most sensitive stocks to a market crash in the current environment. Why it Would Be Severely Impacted: 1. Valuation and High Exp

Invest more. Buy reputable company 

Will save it for greater assurance. Park it somewhere that can gives me higher interest. 

If I were handling this year’s S$600 AP cash, I’d keep it practical. If essentials or medical costs are tight, spending part of it is perfectly reasonable—it removes stress and acts like a guaranteed return. If stability is the goal, I’d place it in a high-yield savings account or a 6-month T-Bill for safe, predictable growth. For investment, REITs offer 5–7% yields but fluctuate, while Bitcoin is high-risk and only suitable if you’re prepared for big swings. My balanced approach would be: 40% saved, 40% in T-Bills or fixed deposits, 20% in a higher-risk play such as Bitcoin or tech ETFs, keeping both stability and upside in view.

using it to pay for my credit card bills [Cry]

Nice to have cash payout from govt. Will reinvest the cash to buy more stocks

I will choose to save it or invest it! Grow the small money into big money [Miser]

Is it really free cash if it came from your income tax, GST, etc. 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!

🌟🌟🌟As a Singaporean, I feel deeply grateful for the Assurance Package.  It is not just a payout.  It is a quiet assurance that in the face of rising costs and global uncertainty, our government cares for us. A meaningful way to spend the SGD 600 from the Assurance Package is to split across 3 pillars of purpose : Giving, Growing and Gifting. I would donate one third to the Society of St Vincent De Paul, a charity that supports over 3,800 low income and vulnerable Singaporeans.  This will help provide food, education, housing & emotional support to those in need. Another one third will go to investing in $STI ETF(ES3.SI)$ which represents 30 of the best and strongest Singapore companies. I believe in the future of Singapore.

Christmas come early, would be a good time to spend it with the family. A harmonious family equals to wealth. A good mind and thought is good for your investment journey