I am a 27 year old with little to no liabilities/debt with a stable job and average salary. Tell me how I should get started with investing for a newbie with conservative risk appetite?

Try tbills for a start

OPINON FOR REFERENCE ONLY:

1) i dont like ROBO prefer DiY. You dont know what u buying for robo

2) Dividend stock SG (SG stock tends to be stagnent), Growth stock US market (US stock is more "explosive")

3) Buy US ETF for more growth. Now Trading at USD330.20 . STI ETF stagnent. Interactive broker got fractional trading, can try out too if budget tight.

4) if tight on budget can also buy Unit trust that track global Tech fund. If you want diversification. UT is cheaper to buy but return also not tat great due to high expense ratio. Will still profit but lesser than ETF.

5) when buying SG stock, i only buy bank and reit. SG Bank very safe, govt will step in during crisis as shown in recent pandamic. For SG REIT, is safe too, although some will argue. Reason for buying reit, u are buying all the small buisness owner in the building, govt wont let these buisness go bust as rental relief is also provides to the retailer during pandamic. Causeway point , northpoint still crowded.

SG REIT index also outperform STI index.

6) i dont like bond. Some may argue is safe. You need ×% bond, ×% equity. it just limit your earning, you just experience less volitality in portfolio with bond. But as long u have a long term perspective and emotional prepare is ok to go full equity.

7) now market is very down. As new investor i think is good to DCA. Becoz when u see ur portfolio, drop 30% , some new investor will do silly thing (emotional) especially when you are all in.

8) if you want to be a long term investor is good to learn fundamental and technical analysis. Fundamental to find good company. Technical to know when to enter