SG REITs outperformed the STI index consistently in the last 5 to 10 years on total return basis. Look at ur investments as a portfolio. Combining good quality REITs ( the 4 Mapletrees, parkway and Ascendas) with the local banks and STI index ETF would give you an excellent start. If banks are to expensive, Sti index ETF is good enough. Invest equally with no single counter making up more than 5% of ur total portfolio unless its an ETF. There is no right or wrong weightage, u just have to jump in and learn along the way.