Hi Anon, There are indeed a plethora of options to consider when it comes to a regular savings plan. Below are just some common options. 1) POEMS 2) Insurance ILPs 3) Robo advisors 4) POSB STI 5) and many more As a financial advisor myself, my portfolio mainly consists of ILPs, US Equities, REITS, S&P500 ETF. Its common for new investors to be bombarded with the various investment options available when starting out their investment journey. A easier way of helping you make the decision would be to consider the following factors: 1) Investment knowledge - how equipped are you with understand the financial markets and grasping financial concepts 2) Capital - How much money are you intending to start off your investment journey with? It should be the amount of money that you are willing to lose as investment returns are never guaranteed 3) Time & Effort - how much of your personal time and effort are you willing to put in to do your research and understand the financial markets better? With the 3 factors above, you could more or less decide if you are more of a passive or active investor. If you fall into the active category, and is willing to put in time and effort into understanding what and when to invest, perhaps DIY-ing your investment through buying of stocks/unit trust would be more suitable for you. If you fall along the more passive category, and has only basic investment knowledge, you may consider doing an RSP-ETF, ILP from an insurance compan, Robo Advisors. Amongst these options, ILP would typically have the highest fee but not necessary the lowest return net of fees. Furthermore, most ILPs in the market now offer capital guarantee upon death which is something that none of the other investment tools out there would offer. At the end of the day, what matters most is still your risk appetite, if you are able to stomach temporal losses and willing to take on more risk to gain higher returns, equities and other high risk investments may be more suitable for you. Also, if your final decision is to take up an ILP, it would be important to consider the skill and knowledge of the advisor in providing you sound advice on portfolio allocation and also a back-up plan should your investment goes south. Feel free to drop me a message at https://brandanchen.manulife.sg should you need more clarity!