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 ?

The best approach really depends on what your savings goal is, your risk appetite and how much you can set aside.

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But the best practice is to be disciplined and set aide a fixed amount every month before you allocate your funds to your other expenses.

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Figure out your fixed expenses, and how much you can afford to comfortably save. Dont set too high a savings target. Think if it like dieting. If its too severe, you wont be able to maintain it. and the best way to accumulate wealth is consistency, and let time do the heavy lifting for you.

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One you setup this framework, the tool you use is really personal preference and how involved you want to be,

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ETFs and roboadvisors have lesser upfront fees but you pay them perpetually. The benefit is you can automate fixed transfers every month and dont have to worry about rebalancing your portfolio.

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Brokers like Momo give you more granular control of your investments but is more time consuming and require you to be more knowledgable and involved in investment strategies.

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ILPs have the higher upfront fees, but often have discounts/bonuses over the long term that can reduces fees to lower than buying ETFs directly or via robo advisors.

Im also doing a bit of ETFs

ETF

Try FSMone