I have 100k cash now. What should I do?

You should invest in yourself, find the best life partner you can get and everything else will work out from there. Investing will not make you rich, getting a good job and a solid life partner will be the best investment you can ever make

Hey Bing Ying, having 100k in University year 1 is a really good start. Congratulations on that.

I think your portfolio is a bit too conservative, since you're young and you have a sizeable capital, you should focus on growing your capital aggressively.

Stashaway is a good place to start, but 50% in 12% risk index and 50% in income portfolio is way too conservative.

If I were you, this is what I'd do:
1. 20% in StashAway 12% risk
2. 20% in StashAway 30% risk
3. 60% to buy growth stocks. Of course, this is provided you have sufficient knowledge to pick stocks. If you don't, no worries about it at all, you can just buy some ETFs such as S&P500 (VOO, SPY, IVV, etc), MSCI Information Tech (FTEC), Invesco China Technology (CQQQ), Vanguard FTSE Emerging Markets ETF (VWO), Vanguard S&P 500 ETF (VOO), Vanguard Total China Index ETF (3169) and more.

Saxo Capital or Interactive Broker are recommended brokers to get started.

Alternatively, you can explore Regular Savings Plan (RSP) through POSB invest saver, FSMOne, POEMS, etc