Any robo-advisors platform to recommend? Is it better to invest in local or overseas market?

Since you currently hold onto SG equities, invest globally. This reduces your risk through diversification. Diversification in your portfolio means you limit exposure to any one market, thereby limiting the potential downside in the event of extended underperformance by that market.

If you buy apples only and apples tank tomorrow, you gg. If you buy 10 fruits, one of which is apples and apples tank tomorrow - you're relatively safe still.

In terms of robo-advisors, it really boils down to what you want out of your investment. I invest with Endowus for the following reasons:

1. Low cost and globally diversified funds

2. Access to world class asset managers

3. SGD denominated funds (save money on FX fees/ reduce FX risk)

4. Passive funds for developed markets and active funds for developing markets (which I'm a believer of)

You can find their investment philosophy here. That's my conviction. Find your conviction, and then you'll know which platform suits you best :)​​​