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!
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.
One third will go towards buying Christmas presents for my loved ones, something meaningful that they will treasure.
As I gift, grow & give with this money, I carry the spirit of SG60.
@Tiger_SG @TigerStars @Tiger_comments @TigerClub @CaptainTiger
Just in time to reduce CNY expenses.