Hi all, I'm 22, a uni y2 here, currently have 8k in StashAway. Have an extra 10k savings that I really don't want it to sit in the bank. Should I just split the rest in StashAway and at what risk indexes?

1) put 10k into singlife to get 2.5% p.a!!!
2) the remaining 8k -> Dash for 2% p.a
3) or sign up short term endowment plan & make sure it’s GUARANTEED returns!

Assuming that the full 18k is meant to clear student loan, I wouldn’t put any of them into investments as those are for more long term goals.

Instead, I would do the following:
First 10k into Singlife to earn 2.5%, which is more than what stashaway simple can provide

Next 8k into either Dasheasyearn (2% first year, 1.5% subsequently) or Elastiq (1.8%).