New starter 40 want to start invest or to accumulate wealth beside bank saving . Which is the best approached? Started small in SSB and is via advisor such as Endowus or Momo or brokers to buy ETF ?

Both can

Different Experience, Expectations and Lifestyle will affect how you want to accumulate your wealth

Cant say this is the best approach. Just a suggestion if it were me:

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1. Set your goal, have a framework to test out and monitor if it helps you achieve your goal.
2. Emergency fund can be in cash and SSB. Main risk is to inflation but the flexibility is important.
3. Start small with ETF to feel the market. As you get more confident, can invest more.
4. If interested to do stock picking, can also start small. Suggest can go with blue chip first because safer.

It is better to first understand the experienced and outstanding people in this circle to see if they can be the one for you so that you can make the right choice.