If I want to invest with a lumpsum of money (roughly 12k), where would be the most advisable option for me to diversify this sum of money if I want to gain a profit from this investment platform?

My first recommendation would be to ensure that you have an emergency fund in place before making any investments. This should be at least 3-6 months of your living expenses.

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As for diversifying your lump sum of $12,000, it is important to consider your investment objectives, risk tolerance and time horizon.

It is generally advisable to have a mix of different asset classes such as cash, bonds, equities and real estate investment trusts (REITs) in your portfolio to achieve diversification.

1. Topping up your CPF is a low-risk option that can provide a steady stream of income during retirement.
2. FSMOne's Regular Savings Plan (RSP) is a good way to invest in a diversified portfolio of exchange-traded funds (ETFs) on a regular basis.
3. StashAway's Simple and General Investing portfolios have a higher risk profile and can provide higher potential returns over the long term.
4. SYFE's REIT+ portfolio invests 100% in REITs, providing exposure to the real estate market.

When it comes to allocating the $12,000, it's important to consider your risk tolerance, time horizon and overall portfolio diversification. A general rule of thumb is to allocate more to low-risk investments like CPF and bonds for the short-term and gradually increase the allocation to higher-risk investments like equities and REITs for the long-term.

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It's worth noting that some people believe that you can predict the stock market and time the market, however, it is widely accepted in the financial industry that no one can predict the stock market with certainty.

I wouldn't advise lumpsum at all, why not go for DCA instead?

You can do it over a span of 6-12 months. Let's say 12 months, then you can invest about 1k each month.

What I'd do is as follow:

• $500 for FSMOne RSP (Can pick 2-5 ETF you like)

• $300 for StashAway General Investing 36%

• $200 for Syfe REIT+ portfolio

This is the best for DCA, in my opinion. If you really want to do lumpsum, then just buy 2-3 stocks that you really like, could be Amazon, Alibaba, Facebook, DBS, etc.

Cheers!