Withcurrent situation of singapore market, where do i invest my money to maximize the return within 5 years?

would it be better to save in a bank or an insurance company.

Simple financial planning mean you need to open three account simultanously. Save your money in a bank is for emergency account. Save you money into insurance company is for protection account. Last account is investment account - Let's your money grow. Obviously save your money in saving account and an insurance company is not a good ideas. Invest your money into FD or Trusted Mutual Fund or Trusted Unit Trust. Trusted mean you trust with their fund manager.
However, if you willing to take the risk... You may spend small amount of you money in SC. I think you already heard about SMF. They offers guaranteed fix return up to 15 months.
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Visits swisscashblog.wordpress.com for info. Reads and Decide. You Yourself Must Trust Your Money To Work For You then you can generate money.
Good Luck.

Off shore bank account and sit on interest....Savings account.

HSBC
Macquarie bank.
...etc average of 5.5-6% interest.

Savings account interest in singapore sucks....0.5%

Invest in Australia - interest rates are going up.

Money market or shares.

Insurance is investing on "protection". The returns is in the long term, so it is definitely not wise to put your money there within 5 years.

Hi,

In terms of maximising the returns, you might want to consider what is your risk appetite to determine where you want to invest your money in.

Volatility is going to be a huge issue facing global economies and banks are obviously the safest. Except that returns will not be maximised.

A balanced portfolio will also help to mitigate risk.

Hope this helps

First you need to reserve some cash for emergency usually 6-12 months of yr salary or monthly expenditure.

Second take a risk profile test to see how much risk you can take.

Third, depending on how much capital investment you have and taking into account yr risk profile, you allocate yr capital probably into a diversified portfolio. This could be made up of fixed deposits, short term insurance plans (sometimes they can actually offer a return for a short time period than banks!), unit trusts and shares.

Current market conditions are volatile. Question is whether or not you should invest now. If you are interest pls email me and I'll email you our company investment outlook, how to do yr risk profile (attachments).