I'm graduating from university in 2 year's time and currently have about $25k in my account. What should I do with it?

Invest in robo

1) The first thing I would do is to get my basic insurance plans in place. They are your goal-keeper and defenders in life. The advantage of getting them done and settled earlier is firstly that they are already in place - before life throws you curve balls that can wreck your financial position and wipe out all your savings plus put you in debt. The second advantage is that insurance premium is usually cheaper when you are younger. 2) Once you've done #1, then in deciding the kind of investments, it depends how active a role you want to play and how much you have learnt. You can do unit trusts through a financial adviser, getting them to help you with portfolio allocation or do investments through a managed account based on your risk profile. If you want to be more hands on and invest directly into stocks, learn more first. 3) How you proceed for #2 also depends on the time horizon you have for investment and what are your future plans. 4) I suggest you speak to a financial adviser (preferably one that is on a truely independent platform) on #1 and #3.