Where to invest SRS now

Can consider POEMS

Im recently using endowus for my SRS.

Without knowing how far the individual is from retirement it's difficult to suggest a strategy. Conventional wisdom is to take less risk as you approach retirement, and switch more into fixed interest, T-bills and savings bonds. If you're still in your 40s or younger it's more worthwhile putting most of your money into equities, REITs and index funds. Whatever you do don't just let the money sit in the SRS account because it typically pays almost no interest.

Hmm etf seem stable I guess, less risk compare to all into single stock?