If I have spare 1000K per month (after deducting saving and expense), should I invest this money in Investready II from Manulife (hold for 3 yrs), Stashaway or DCA from MoneyOwl?

The fees you mentioned are very high. You should evaluate platforms like kristal.AI or even a self managed Saxo account. At kristal.AI we have made ETF investments upto 50K USD completely free

For 1K USD, you can get a good deiversification amongst ETFs and even REITs.

I would suggest you evaluate a systematic plan into a balanced portfolio - which has a good mix of Equity ETFs, Bond ETFs and Gold. Systematically adding to such a portfolio every month can help build a corpus over time. You can also run the algorithm we have made available at kristal.AI to see what is the suggested recommendation for your profile.

1800 for fees is very expensive from what I’ve learnt so far.
3x12 monthsx1k=36k
1.8k/36k= 5% of your investment amount.
I know it equates to 0 net costs, but it doesn’t guarantee you will get your returns right?

If I were you, I will just park it in some high yield savings account like DBS multiplier. At least it’s guaranteed earnings as compared to buying UTs or ETFs. UTs and ETFs need a longer time frame for better returns, no?

And I just googled a little bit more. InvestReady is ILP. Do correct me if I’m wrong. ILPs are probably not the best way to invest your monies