In terms of funds investment, I don't like surprises and have always invested in the cash funds. I've invested in $Fullerton SGD Cash Fund (SG9999005961.MF)$ for SGD and $CSOP USD Money Market Fund (SGXZ96797238.MF)$ for USD. I like both of them for the liquidity and fuss-free investment when I'm not investing in stocks. At 4.6% yield now for USD fund, it's an attractive yield. They're slow and steady.. and just realized my fund returns are now SGD 1.6k!