Team cashless for the win. There will be a digital records so I can track down my expenditure.

Other than continuing dca as proposed by the rest, I will suggest reading up on your investment knowledge. Knowing the difference between price vs value I would also suggets you to revisit your risk profile and investment goals so that you will not stray away and be blinded by fear

Most singaporean would prefer DBS because its penetration is high in singapore. Honestly, to me, there is not much difference. Also u can take a look in their allocation to commodity such as oil.

Since u have about 2k, I would suggest making a choice out of the 2. Why? 1. Lower the cost and maximise potential returns 2. Making a 'tough decision'. You are forced (in a good way) to make a critical judgement. Why would u choose one over another. List the good and bad and the potential

To summarise what hariz mentioned, What is your investment goals and your risk profile (your current status)? Great way to start is via Etf, robo advisors such as endowus, syfe, auto wealth. Some of them have human interactions too so u can seek advise from their financial advisors Editted. U may want to consider endowus due to the size of your capital and low fees

Singlife 2.25% 3 -year endowment plan is a guaranteed so why not especially it caters to your needs. Based on the current market, interest rate will continue to move down so i doubt there would be promos from other institutions Is it worth getting? There are better options, so personally i would not. I can collect more dividends from investing on reits during the 3-year time frame. As long as the endowment plan is within your risk appetite, then go ahead

Why do you want to force yourself to spend? Can you afford to do so? Is there other any opportunity cost you are forgoing? If all the question is a no, then the card is not worth it for you. Mind your spending habit, then cater your spending habit to your desired credit cards

For p2p lending, I have researched on Indonesia and Europe. Currently doing p2p lending in Singapore. Yet on Australia Europe is where p2p lending started so their concept is relatively advanced and very different as compared to the western. U can look up on Mintos. Why I specify Indonesia? Indonesia, or ASEAN is the epicenter of p2p lending evolution. It is because ASEAN is where the majority of unbanked and the underbanked. So, there is more opportunity there. Furthermore, there are a lot of campaigns filled with social causes such as funding for children's education, agriculture, healthcare, women. While earning interest, you could help them lift their social hierarchy. Killing 2 birds with one stone. Why not? Thus, I prefer calling p2p lending as social crowdlending rather than debt crowdfunding. You can try your hands at Singapore first while waiting for a better fx rate. If u need any insights on p2p lending and how I approach them, FB pm me :) p.s: Seedly currently disallowed referral codes

Hi. It's never too late to start. Etf is a good way to start investing. You can start by filtering out Robo advisors and understand dollar cost average because that would be what u r doing. As time progress, learn about how to invest. I would recommend having a goal u want to achieve. Is it variable, desirable, feasible? Then work towards them. E. G I want to collect 1k annual dividend by age 50. Then how u work towards it. Another option is p2p lending, considerably more risky by both. It has a low barrier to entry (capital of $500, easy to pick up) and has average annual returns of 10%. As long as u play safe and take measures, there are a lot of things u can learn. 1. Understand your risk tolerance. It is very easy to adjust because the minimum amount per loan is $2 2. Learning to read financial. P2p reports are about 3 pages. How much info can u extract to make the right decision to take part in the loans? 3. How do u want to diversify? The interest rate is from 4% to 18%. How much do u want to put in each loan? Possible opportunity cost if u did not because most have the tendency to quickly deplore their capitals at the start pm me if you have any queries or need some research material

Afterall it is a guideline. The purpose of investing is to achieve your above goals. Maybe spread out your goals apart to give yourself time . Set realistic goals. Do monitor your cash flow too You can choose stocks as stocks are liquid in nature. I believe you are tempted to go into the market as you see the current situation as an opportunity. Choose a portion of your capital based on your risk profile. The amount is something you can afford to lose. And the goal is to optimise for 3 years. I would recommend dividend style as the price is less volatile. The aim is to collect dividends. Reit is an excellent choice based on your needs. However, do make periodic check and research on your portfolio (every quarterly or related events). Jump into opportunities and take the profit when the reit/stock is overvalued. Another investment option is p2p lending platform which is often classified as riskier options by many. The loans issued usually between 1 months- 12 months so it is easy to regulate within your time frame. The rule of thumb is higher the interest rate, the higher the risk. Choose property-secured loans and/or guaranteed loans(funding societies) to reduce your risk involved. If you have any queries about p2p lendings, look up on the reviews in seedly or PM me