Hi there, I have a StashAway account and am on their 36% risk index portfolio since early 2020. Thus far, the DCA has yielded me a 50% time-weighted returns. I believe this is the riskiest portfolio that StashAway offers.

There are other portfolios ranging from 6.5% to 36% risk index under StashAway.

Imo, hardly any other ways in your situation to generate even more significant returns unless you jump into stock trading / long term stocks investments, which are far riskier.

As for joint bank accounts, you’ll have to look at what the various banks offer in their features, and whether they meet your needs. My wife and I settled for OCBC Bonus Plus account, and we believe that the various banks will periodically offer new bank accounts to save money.

To finance my degree, I did part-time studies (SIM-RMIT BBMPT course), and worked full-time. Needs alot of discipline and give up your social life for that 2 years. But at the end, you get to advance career, save up some money, and get your desired certification at the same time. Three birds with one stone :)

Just remember to keep your expenses low in order to finance your needs. Good luck!

Generation of passive income is only possible with sufficient capital. So your priority now is to grow your capital.

If your spare cash can be left untouched for as long as possible (beyond uni) then feel free to dump them in Stashaway's highest-risk portfolio.

If you need the money in 4 years, then either a lower-risk portfolio or other low/no risk portfolios is advisable.

As for financial planning for couples, it really depends on your S.O. I am very particular about my finances so I'm not willing to dump my income into a joint account. Have a chat with your S.O. first.