Any recommendations for a 25 yo looking to invest 20k long term with no major financial commitments for now?

Congrats on having sufficient emergency funds saved up at such a young age!

With the remaining 20k or so, I think you can start being a little more aggressive by picking individual stocks. I believe that you already have sufficient safety nets in place such as Insurance, Emergency Funds as well as some bonds and Robo-Advisors (Stashaway). This allows you to be more confident and aggressive, to use your leftover funds to try and achieve a higher return.

As for what stocks to buy, this comes down to your own investment goals as well as risk appetite. If you're an income investor, looking for cash flow, perhaps look at strong dividend companies as well as REITs in Singapore. If you're looking for high growth, perhaps the US market is for you. There isn't a right or wrong strategy, just what you are comfortable with!

I hope you have fun, enjoy the journey, and ultimately learn as you go!

Wishing you all the best, Cheers!

Good job saving up that amount of money and sorting out other aspects of your personal finance like emergency funds and protection by age 25. I definitely need to learn a thing or two from you.

Many ways to skin a cat. There's no one recommendation that is the correct answer but do consider several principles.

• Your investment experience. If you have experience investing, you can choose your own stocks or ETFs. If you have no experience (like me) you can consider increasing the account value of your Stashaway portfolio. Or another advisor like Endowus (I use this cause I really like them)

• Your risk profile. Understandably you are not planning to touch your funds for over 10-years. That's reasonably long term. You should theoretically have a higher-risk profile, but everyone's different. As such, investing in 100% equities (more volatile, potentially higher returns) may or may not be the way forward.

• Start early. Whatever it is, it's important to enter the market so that your investment can start compounding as soon as possible, rather than waiting on the sidelines for a good time to enter. If you struggle with decision paralysis re: entering the market, consider DCA.

• Short- to mid-term goals. It's good that you have no major financial commitments for now. Do an honest and realistic projection of your cash needs over the next 10 years or so. Car, house, holiday, etc. These are all valid expenses which should be planned for an you may consider setting aside sums for these too.

Good luck!