42 yrs old newbie here, is it too late to start for investing? Able to invest in 300 to 500 each mth which is a better option for investing? ETF or Unit Trusts? ?

Yes, all answers true, never too late.

but invest wisely.

passive indexing ETFs: the best invention for retail investors !

my thinking here:

https://seedly.sg/questions/what-are-your-favou...

It is never too late to start investing. Depending on your risk level, you can consider investing in the stock market, SSB and ETF.

Generally, unit trust has a higher fees compared to ETF. So if these 2 are your only options, I would suggest ETF.

Its always never too late to start investing. As you will need to start preparing for retirement, you can invest more money into bonds as well as etfs instead of riskier stocks.

Other than a Regular Shares Savings (RSS) Plan, you may consider a robo-advisor to invest $300 to $500 per month. In most cases, a robo-advisor portfolio consists of globally-diversified index-tracking ETFs. Check out the following reviews for more details:

https://seedly.sg/reviews/robo-advisors