How should a young working adult invest his or her money?

Honestly, you'd want to invest it in instruments that will help you attain specific goals and breed discipline illiquid, regular savings plan type.

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For someone who doesn't have a high amount of liabilities to pay off, you can devote as much of your salary to investing after covering your essentials (insurance, emergency fund) and you'd ideally invest in riskier, higher yielding funds while you're still young, before transitioning into more stable fixed income as you get older.

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I'd love to help you with that, if you'd like, as my specialty is in investments. In the previous year, I yielded over 32% overall on equities net of fees.

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You can always reach me here: https://www.facebook.com/luke.ho.54

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Singapore and international equities and bonds etf,
Gold etf,
Singapore Saving Bond

Depends on how and what you wanna invest. Maybank has pretty lots of counters to choose from. You can set a prefunded account there. Alternatively you can try robo-advisors, crowd funding platform.

There are several places you can put your money into.

1. Singapore Savings Bond

2. Robo-advisors

3. Stocks

4. Bonds

5. REITs

6. High interest savings account

Do some research on these and see which suits you the best. There are several articles on Seedly talking about these. Do check them out :)