Hi all, I'm 23 and just ORD-ed. I am gonna start school on Jan on the finance side. i know I am late but I am ready to embark on my investment journey and seeking advice on Regular savings plan (ETF)?

Don't worry you are not late, I have only started this year at late twenties :) FSMOne is great and fees are one of the lowest for RSP. However, take note they only have access to 49 ETFs currently (https://secure.fundsupermart.com/fsm/regular-sa...).

Additionally, the rates can be found here in this link: https://secure.fundsupermart.com/fsm/new-to-fsm...

Robo-advisors are great to start with if your do not have much funds to begin with, as transaction cost can build up quickly with brokerage if you are not careful.

FSMone has dividend handling fees for US ETF, so if that is barrier for you, you can consider creating a TDAmeritrade account now as they offer $0 commision for US ETFs and various stock counters. (Their account creation can take quite awhile btw)

Spend your free time to read up more on investment as it will be one of the best invesmtent :) I will advice to not invest all your available funds every month, save some for backup in case there is some pullback on the market. all the best!

Some platforms u can consider using is FSMOne RSP & OCBC BCIP. Things to note are:

· Determine the minimum amount to invest per month that makes sense based on the monthly fees (calculate in terms of %; best to be <1% of invested amount)

· Determine which ETF to invest in, do some research on its components and certain macro factors that can propel the ETF higher (Remember to have a long-term view for investing & that past performance is not an indicator of future performance)

· Consider other investing platforms too like robo-advisors, P2P lending, crypto, etc (See which one best fits you)

That's all I have. Cheers :)