MoneyOwl

Read up other financial platforms and enrich yourself with financial knowledge over time :)

Try to build up lesser risk instrument such as Fd, and spore saving bonds.

DCA into ETFs directly

Hey I'm 26F too, just started from zero like you about a year back. I rmb being told to read/research more didn't really help me when everything was too much info! Here's a basic timeline/steps I decided for my own financial journey that I hope helps you too.

1) E-funds (10-15k in cash, in any HISA account) Until you hit your desired amount, don't proceed with anything else, pump all into emergency funds!

2) Get a good financial advisor (hard to find, but they're out there!) to manage your overall health insurance. Don't have to do investments with them, just the hosp/death basics.

3) Start to allocate your spare savings into your sinking funds (e. g Japan trip in near future, BTO down-payment, getting a nice gift for your parents etc. can be anything!) This part is the hardest for me.

4) Use a robo-advisor (Syfe, stashaway whatever) to start your long term (30yr) retirement investment. I just start with endowus personally bc I wanted to invest w cpf in the future.

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Step 3 & 4 can do concurrently, bc at this point, anything excess of your monthly expenses can be shifted around ( E.g.more cash towards sinking funds to achieve them sooner)

Also by this point, you would have read up and digested more from the sources recommended in the other comments, then you can decide on your own liao! Jy~