What are you advise to a year 3 university students with around SGD10k-20k savings on investment?

For undergrads with this amount of savings, it will be difficult to build up a diversified portfolio of single stocks cost-effectively. Hence, diversified investment vehicles like a Robo-advisor or Global Stock ETFs would make more sense in my view.

While there is an allure in trying to stock pick to outperform the market, an assumed 5% outperformance at this portfolio size would be about $500 to $1,000. Considering the potential time and effort to achieve this, the effort to reward ratio might be not be practical.

Dont get tempted by those 2x 3x in a month. 20% increment a year is a good sign already.

Only advise i can give is don’t gamble :D