What is an optimal strategic asset allocation both horizontally and vertically across asset classes?

Hey, good ideas of you to start so early and knowing already that diversification is the key to success. when you invest small sums the commission fees are on a relative base very high. but these are constantly dropping, with f.ex. Ameritrade in the U.S. already charging 0.00 USD per trade (for U.S. ETFs and stocks). you can read a lot on my thinking here: https://seedly.sg/questions/what-is-your-genera...

Don't buy mutual funds or single stocks. Use large and cheap ETFs.

Maybe all You need, when you have an investing perspective of more than 10 years is a 100% stock market exposure with:

-global stock market ETF (MSCI World)

-SP500 ETF (f.ex. VOO)

-a major China stock market ETF​​​

As someone in NS, the best thing you can do is save your money.

Before investing, the everyone should have an emergency fund of 3- 6 months of salary.

This is so that if that anything happens, like the economy has to shut down due to the sudden appearance of a virus, or an injury puts you out of work, you still have 3-6months of money to live off.

It's hard to diversify with NS pay cos, if you DCA so little pay over so many things, most of your money will get eaten by fees. Try looking for World ETFs, like SWRD to diversify by investing in a single security.

It's good you're looking to invest, but you make sure you do your due diligence and know what you're getting into