Any advice or suggestions to put the funds to better use is appreciated here!

Dont rush in without doing proper research just because you feel left out, start off with big blue chip tech stocks or index funds before looking at more specific stocks. be prepared to lose some money but treat it as your tuition fee

Please don't feel bad about not investing. different folks different strokes. most important is that you are happy with what you have. i have seen too many people got greedy and got burnt or fell prey to investment/trading courses (myself included).

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if there is still a long way before your HDB key collection, you can look into invest OA in CPF approved funds. (but don't invest in SA now). for this you can look for endowus or dollardex for their CPF approved funds. but i am guessing you are new to investing, so i would say to just go with endowus advised portfolio (not single fund picking) for now.

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another way could be just before key collection, lock up $20k or so into a short term fund. after HDB deduct the price from your OA, terminate the fund to refund back into OA. like this, you take minimal market risk but still continue to earn 2.5% with whatever balance you have.

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hope this helps, but there is limit of what we can share from the information we have from you. next thing could be to seek advise from a trusted friend or adviser and work out exact strategies based on your HDB price. of course you can always post here again on whatever your adviser shared and seek for 2nd opinions from here.

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