You Sold at the STI Peak. Now What Do You Do With the Cash? |🦖EP1531
You Sold at the STI Peak. Now What Do You Do With the Cash? |🦖EP1531
The bank is offering you 1.5% on your STI profit while charging your neighbour 5.0% on his business loan — that spread is your wealth quietly funding their corporate balance sheet. On S$100,000 in gains, the Liquidity Tax runs up to S$2,500 a year, and the math does not care how safe the bank logo feels.
At STI 5,000, the instinct is to exit and rest. But the 6-month T-Bill sits at 1.37% and the 3.2% Forensic Floor does not move to meet a rate cycle trough. A sanctuary asset must clear 4.7% to justify taking any currency or liquidity risk at all — anything below that is not protection, it is a slow transfer of purchasing power to someone else's balance sheet.
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