Before you start investing, I’d suggest setting aside an emergency fund containing 3 – 6 months’ of expenses, having adequate insurance, and no high-interest loans. A home mortgage is ok, but try to avoid high-interest debt like credit card debts. In investing, time really is money. The longer you invest, the more money you will have, thanks to the power of compounding. Compounding i.e. time in the market is one of the keys to investment success, rather than waiting for the perfect moment to invest. It's nearly impossible for any investor to time the market perfectly on a regular basis. So, realistically, the best action that a long-term investor can take is to invest as soon as possible, regardless of the current stock market conditions. Furthermore, don’t let the size of your savings deter you from investing at the earliest possible moment. If you want exposure to Singapore equities, you can now invest from as little as $100 each month with Regular Shares Savings (RSS) Plan. If you want a globally diversified portfolio, you can consider digital wealth managers like Syfe. Syfe has no minimum investment amount and unlike traditional brokerages, no commission charge each time you increase your investment. Finally, some advice against picking individual stocks. You should always diversify your investments, rather than go all-in on one specific stock. This way if one underperforms, it doesn’t drag down your whole portfolio.