Since you are newbie, I’ll do what I do best, explain in primary school level. 1) I’ll very honest and blunt in saying that unlike many starting young, you do not have much room for experiments or error. Take about 2-3 months to gather info before buying first investment, you can first learn why people invest into unit trust or ETF. Somehow many people regret their first stock purchases in 2-3 months time. 2) For many reasons, ETFs or index funds are considered safer, its typically based on a basket of stocks rather than bonds but it is not crisis proof. many will argue that you can postpone your retirement 2-3 years and carry on working in case of a financial crisis but what if financial crisis occurs during your retirement, are you going to come out of retirement? 3) Buying ETF/unit trust should just form a portion of your portfolio. The other portion that is missing is the fixed income portion which is either bonds/annuity plans. These fixed Income assets will give you returns even during crisis and may even have capital appreciation. To be clear, SSB is not what I meant as it functions more like a fixed deposit than an actual bond because it doesn’t have capital appreciation. Maybe you have CPF but its not enough and it has diminishing returns. 4) Have fun, and at 42 years old, it‘s not worth to lose sleep over any investments.