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Last updated: November 2022@
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INTRO:
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If you've reached this page, chances are that you're worried about inflation and/or you're looking for the best rates and returns for different financial tools and the internet is confusing you.
This index serves as a brief guide to the different tools out there to help ou in your consumer journey.

We may have missed something out, so feel free to reach out to us at viv@thewokesalaryman.com if you have any suggestions on improving this page
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Editable fields are highlighed in yellow. Feel free to make a copy of this sheet for further customisation :)
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HOW TO USE THIS
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1) Key in your monthly take-home salary (after CPF contribution)
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Monthly take home salary$7,040.00<- fill this up!
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2) Emergency savings
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6 months of salary $42,240.00
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Rounded up to the nearest thousand $43,000.00
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Where to stash your emergency savings?Rationale Check out rates
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Bank High Yield Savings AccountHigh liquidity, 1 - 3% interest Click here
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Insurance Savings Plans (without lock-ins)Mid - high liquidity, 1 - 2% interestClick here
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Robo Advisor Cash Management - Safe Option Mid - high liquidity, 1 - 3% interestClick here
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3) Amount to invest
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Based on the 50/30/20 rule (50% needs, 30% wants, 20% savings)
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MonthlyAnnual
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50% needs$3,520.00$42,240.00
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30% wants$2,112.00$25,344.00
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20% savings$1,408.00$16,896.00
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Amount invested*$17,000.00
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*Amount invested is rounded up to the nearest thousand from the annual savings amount
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Where to stash your investments in?Rationale Check out rates
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Robo Advisor Cash Management - Higher Risk Option Low - Mid liquidity, up to 4.8% interest long term Click here
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Managed Portfolio Low - Mid liquidity, > 4% interest long term Click here
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Singapore Savings Bonds Liquid, safe returns Click here
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