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Should I invest my SRS fund in STI ETF or UT?

I’m planning to invest my SRS because bank only gave 0.05%. I’m thinking to buy all ETF as the cost is lower and pay decent dividend compared to UT, which is higher cost. STI ETF paid $0.115 dividend this year which I think is considered good to enough. Anyone has better ideas?

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There are robo-advisors that offer portfolios for SRS investments i.e. Endowus and StashAway. If you prefer less hands-on investing.

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