Hi, what would be a good investment portfolio for someone in her early 30s with $250K in total savings? Are short term saving plans eg. lock up capital for 3-5 years with 2-3% returns good?

Buy property? I think not a good idea. I will put at FD

It all depends on your risk tolerance. 2-3% seem already quite nice, in the end it would be yourself to state if 2-3% are enough. subtract for seeing net returns also inflation rate.

For the U.S. broad stock market (S&P500) super-longterm performance over decades was 6-7% anually, for the last decade double that. 'Expert' wisdom recommends cautiously that you should not invest into stocks only, and to globally diversify the stocks allocation. and they believe that the mentioned annual stock market performance for the coming yesars will drop again significantly to maybe 3-4%.

If you decide to go for stocks, ETFs tickers SWRD or ISAC would be among the most conservative, balanced and cheapest choices. Never buy unit trusts/mutual funds.

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I have written two texts as an introduction to investing here (but do not follow the mentioned technology investing mentioned there).

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https://seedly.sg/posts/what-is-your-general-in...

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https://seedly.sg/posts/what-is-your-general-in...

All depends on Your risk tolerance and Your investing horizon.

With an investment horizon of more than 10 years (money locked up in this period, and not subjected to 'panic crash selling') major global stock asset allocation could be long-term more successful than other cateogories. Passive global indexing via cheap and large stock ETFs would be an excellent choice.

more on my thinking here:

https://seedly.sg/questions/what-is-your-genera...

Firstly, we need to have a complete understanding on our cashflow. Through this process, we will understand our earning ability and spending habit. Here is a guide to help you: https://www.blog.pzl.sg/understanding-your-pers...

Next, decide how you want to live your life in the long-term. This is beacuse we have about 30 years of life left before we retire. In a blink, a quarter of our life is already gone. Hence, it will be important to start planning for the long-term, e.g. retirement. Additionally, discover any other goals that you may have, e.g. a property in 2 years' time.

With a well-defined goal, understand the tools available to help you. For instance, you may consider a life annuity for your retirement alongside with some investment in bonds, equity, or a balanced portfolio.

For the short-term goals, diversify your money across bonds, endowment, or even fixed deposit.

All in all, take your time to understand what you want. It is only when you have a clear objective, then we can work out ways to help you achieve your goals.

Here is everything about me and what I do best.