Hello, should I invest into local banks, or REIT or STI (or all 3?)? Have 15 years or thereabout time horizon. How to invest into STI? Which ticker is it? Thank you very much!

I have a bit of all but also invest in robo-advisor for global reach.

Hi, this would depend on your risk appetite and goals. for banks its probably safer but for REIT there are some risks such as market and income risk. you can read up more on investing in reits and see if it aligns with your goals

Invest in a STI ETF that should cover all 3. You can save on trading fees with ETF. Just note for STI, it's usually more for dividends, growth is not so much.

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If also want growth, you can consider US S&P ETF like what others suggest.

You should invest in all 3 and a few more to diversify.