Hi everyone, this is a follow up question. Plan A is to park my savings in high interest account until my dad secures a job during this pandemic. Plan B is to invest in dividend funds. More below. What are your thoughts?

Hey Jeff, if you're looking to invest in unit trusts, you can check out Endowus. They do not charge a sales/transaction fee and will rebate 100% of the trailer fees back to you, effectively lowering the fees. They offer a pretty wide range of funds to invest in, and they document the rationale/reasons for offering that particular fund to users of Endowus. For instance - https://endowus.com/support/360000629462

Recently, they launched a new feature where you can customise your own portfolio. Super cool!

Two of your mentioned 3 funds have super-high 0.99% annual fees in the factsheets

and one (FSSA DIVIDEND ADVANTAGE A QDIS SGD) even indecent 1.71% per year.

this will crush your performance

for bonds BNDW (Vanguard Total World Bond ETF)

has 0.06% fees per year

for stocks VT (Vanguard Total World Stock ETF)

has 0.08% fees per year