I have $200 RSP for POSB IS ($8K value) & lump sum of less than $2K each in Syfe’s Equity100, REITs and ARI. Should I consolidate all under one platform (looking at FSM) or continue to diversify?

Alternative view for you: consolidate all your investments in one place yes - not so much for the fees, but rather for simplicity and ease of monitoring.

Fees eat away at returns, yes. But when your capital is small to begin with, the fees are paltry.

Concentrate your investment in one location so it isn't so stressful to monitor five different investments at once. That'll free up mental capacity to think about ways to command a higher salary at your job.

Ultimately, increasing your income is critical because that gives you more power to invest with at the start. And we all know that it's critical to invest early. Yes, invest early - but do it with $100,000 rather than with $1.​​​