I'm new to investing and recently started using Stashaway with 18% risk for General Investing (1k so far). Does anyone have any advice on which funds to get in an RSP (DBS InvestSaver)?

Most people here have been saying to get STI ETFs (SPDR STI ETF and/or Nikko AM STI ETF) but will REITs be a better choice?

My risk appetite is adverse but willing to keep an open mind on being risk moderate. In terms of current emergency funds, I have enough to survive for up to 6 months having worked for more than1 year.

Any advice especially in light of COVID-19? Also, considered getting SSB but returns are only 1.85%.