Young couple (28 yo), combined income $10k. Net worth of $520k. $100k cash. $150k portfolio ($90k stock,$60k bond). $250k CPF uninvested. $20k BTO downpayment.

First start a premier banking relationship if you havent. cpf if its mainly oa and dont need it for housing purpose, can consider maxing out your sa and treat it as a bond that compound 4% a year.

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depending on investment horizon, can still keep the bond segment but future investments to be in equity only

Young couple, looking good. Yea solve the housing first. Once thats done, you will know whether you can tap on your CPF. Try to maximise it either by txf SA, or invest eg Endowus. Plan for the big ticket items, about $30k reno, $15k furnitures, or $30k wedding. For any thats not in the horizon, I'd say use robo to manage the additional cash. Continue look for any investment lobang.