Hey there, Interesting question. For me, I will suggest you to DCA into a few stocks that you are familiar with. My OCBC BCIP portfolio only consists of DBS, UOB, SGX, SIA these 4 blue chips, reason being, I am using products/services from these 4 companies. I don't think STI ETF (G3B) is a bad choice, as it is very diversified. My take is that it will provide quality income as the top holdings for STI ETF (G3B) are consist of finance sectors. I don't deny that there are a few bad apples in it, but here is the beauty of ETF, It spreads your risk out, which makes this ETF good for dividends. For your remaining 100k, I would suggest that you can put it into either Syfe REITs (without risk management) or StashAway income portfolio. As these two portfolios will provide dividends as compared to other U.S portfolios, as the other portfolios are good for growth which takes time. Syfe REITs (without risk management) purchases REITs directly, so the fees charged are just the management fees by Syfe. As for StashAway income, it is buying into other ETFs such as MBH G3B which is the investment-grade bond and STI ETF. Meaning that the fees involved are the ETF expenses as well as the fees charged by StashAway. Therefore my take will be to allocate 100k into Syfe REITs ( without risk management, alternatively, you can choose to allocate maybe 65k into Syfe RETIs and the remaining 35k into StashAway income. Hope this helps!