What should I do with my savings (35k) when I have large expenses such as wedding and BTO in the future?

This is more towards financial planning and risk management.

Let's say you invest $10k out of the $35k that you have accumulated for your wedding in 5 years' time. Obviously, we don't have to discuss the case when you made a profit. On the other hand, what happens if the market falls and your portfolio is only worth $6k? In this situation, will you be able to readjust your priority and goal then?

Based on the above example, it gives you an idea on what to expect for short-term goals. Emphatically, we will have even lesser options when we cannot change the timeline or required amount for our goal. With this in mind, we can only consider a limited number of financial instruments.

Despite that, we can look into your monthly cashflow to determine whether there is any surplus that we can divert into other financial instruments that are able to give us potentially higher return.

Here is a Guide:

Understanding Your Personal Cash Flow

In your situation, you should look beyond marriage and BTO. In reality, this is merely a start to the next phase in your life when you can expect your expenses to shoot up pretty quickly within a short period of time. Therefore, there exists a need to scrutinise your finances and plan for your future.

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