27F & six digit savings. Waiting for the keys to my BTO. Interested to start safe investments for long term returns. What should i do? Any advice?

Assuming you don't need the money anytime soon (4-5years+) and won't use it for your BTO payment, you can look into long-term investing.

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Have a read up on how investing works. I would recommend doing it yourself (DIY) and opening a brokerage to buy a broad-market index fund. The idea behind this is to buy a fund that covers a large number of companies so that you will get the best of everything.

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https://www.investopedia.com/terms/i/indexfund.asp

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Also, got to understand your own risk tolerance! Are you the kind of person to cut losses and sell the moment it goes to -10% red? The market has dropped 10-15% from its all-time highs in the last 3 months, so downturns do happen.

By your choice of "safe" and "long term" in the same sentence, i guess you have little experience in investing.

start by listening to webinars of the various robos.

read these books:

https://www.nlb.gov.sg/biblio/200139752

https://sias.org.sg/wp-content/uploads/pdf/SIAS...

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(there are several other investing books by local authors in the library, but i advise to avoid them at all costs)

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after reading and attending webinars, then you should have a better idea of what you hope to achieve by investing the money. from there then you find what is most suitable for you.

for all you know, you don't even need to invest and can comfortably put your savings into fixed deposits or government bonds and collect coupons regularly.

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hope this helps.