Hi Whizzard et al. Thanks for the education for the rest of us. Any suggestions for a couple in 40s with S$3M income a year, pre-tax? We are not financial instruments-savvy and hold only properties (2 residential and 2 commercial). We are still working and the cash is just piling up in various banks. Very negligible equities etc. Any uncomplicated pointers will be much appreciated. Zero debt. 2 paid up Japanese cars.