Should I buy stocks (E.g. Nikko AM STI ETF, Keppel Infrastructure Trust, Overseas stocks) for a stable dividend return as a 19 year-old investor?

Your money, your rules - as long you do your due diligence & dividend return appeal to you

If you buy individual stock, gotta make sure you monitor them because behind every stock counter is -- a company with people managing it.

• Keppel Infrastructure Trust distribution per unit (3.72 cts) is more than its earnings per unit (0.82 cts). Is it sustainable to keep shareholders happy?

• Also, Basslink is undergoing arbitration for the cable outage and is reported that they expect to settle it this year (hopefully).

• KIT sold DataCentre One to Keppel DC Reit, before Covid-19.

• KIT bought Ixom in Feb 2019, and it turned in a profit for them.

• KIT debt servicing ratio is 65% in 2017 (27.5% in 2019). Previously it was highly leveraged.

All these business decisions by the co. management and risk will impact the company and its earnings.

Just throwing up these as an example, so if you want to invest in individual stock, you'll need to monitor the risks unqiue to the company & its business environment, as well as the business decisions they take. It's a risk-return consideration. That's why dividend yield is high, about 7.29%.

If you buy ETF, then you don't need to worry all the above & can sleep better at night. It really boils down on whether you can do your own due diligence (i.e. there's a lot of reading, learning from others, maybe even taking up courses), your risk appetite, and risk-return expectations.