If you could turn back time. How would you have invested your first 10k. And what about now?

I would put into low cost index fund and let it grow, but I chose to invest in properties, no right or wrong. Just that now I have more knowledge on equities market. I have start to diversify my investment into equities now.

I would not recommend investing the first 10k into ETF. However, as part of the first investment, I do recommend to invest in ETF on a DCA basis, e.g. $100 per month.

For the first 10k, I would recommend investing into dividend stocks. This will allow you to generate a dividend income so that you can grow your warchest for future investment.