What are some investment options young adults like NSFs can look into, with limited income or savings to spare but still remain a reasonable risk to reward ratio for a good return on investment?

My personal opinion will be investing in a low cost S&P 500 index fund such as VOO or VUSD (UK version). However, do make sure you are investing for a long run, minimally 10 years.

For limited savings, u can choose to buy VOO using fractional shares using Interactive brokers platform.

For more savings and investment tips, feel free to check out here :)

Your option if you dont like actively managing your portfolio. Individual stock picking may not be suitable for you right now.

1) ETF eg, VOO that track US index.

2) UT that pay dividend eg. UOB global quality growth fund, pay monthly dividend. Which track global tech stock

VOO trading at USD299.87 per share

UOB fund at SGD1.551. Initial investment $1000. Subseqent $100

If you have very tight budget UT should be a good option for you. And you can do DCA @ $100 per month

In addition buying UT is 0% comission in poem

However, after u competed NS & get a job is better to switch to ETF because UT have high expense ratio affecting your portfolio long term gain.

Before dumping your money into account X. You need to tell us what this money means to you:

1. If this money goes to zero now, will it affect your lifestyle and sanity?

2. Do you need to touch it in the next 10 years?

3. Imagine a loss of 30% for the next few months, can you stomach it?

Adjust your investment risks accordingly if you can stomach a loss of y% as opposed to 30%.

Once you are understand the consequences of risk, pick a platform. If you just want to dump and forget, consider robo-advisors. If you have low capital, consider robo-advisors. If you want to be active, consider online brokerages.

Hi!

Roboadivsors (such as Stashaway/Syfe) and maybe individual stocks (reits?) bought using DBS vickers cash up front ($12 commission)