What's your thought on the equities market in the next 1-2/3-5 years?

On long term such as 10-20 years, I believe Equities should rise due to inflation as businesses will increase their prices along with the inflation. However, 3 years is not a very long duration, if it is so unfortunately we enter into bear market, it may not recover within this short period.

Given that you just have a 3-yr horizon, keeping it in savings or quasi savings products would be the best option. As interest rates will rise most of the time during this 3 year period, you will see better returns by default.

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If you want a small kicker, you may want to invest 10% - 15% of your corpus in short duration (1 yr or less) funding opportunities on p2p lending platforms like Brdge or Funding Societies. You may get property backed investment opportunities at high single digit interest rates.

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I recommend staying away from equities due to the bad macro situation and your 3 year investment horizon.

If you've got it for university tuition payment then investing in equities, or equity-related investments might not be a good risk strategy. Better to put into Singapore Savings Bonds (SSBs). SSBs will give you a guaranteed tax-free return, and you can get your principal back in full with interest whenever you want. Alternatively, consider a strategy where you allocate a maximum of 20% to 25% of your tuition money to an index tracking fund. The chances are (worst case) you probably won't lose more than 50% of the money in an index fund over 3 years, and you will get some dividends to offset that, on the other hand, if you get a typical (long-term) average market return over 3 years of say 7% you'll have done quite well.

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In the end, it comes down to your own level of risk tolerance and financial sophistication. For some people, the 100% savings bonds strategy will be best, and for others allocating a portion to equities might be better. There's no 100% correct answer.

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Having your tuition money in a share portfolio (of individual companies) is probably a bad idea. You probably don't want to be risking your education on the vagaries of the stock market.

The Market short term is a voting machine but long term is a weighing machine so invest in the long term preferably more than 5 years.