A lot of interesting comments here, and to be honest there are many ways to go. Some righteous ones might say, you should spend the money on educating yourself. Some say you should get your toes wet and just invest in stocks. Others who might be more risk adverse will say buy a ETF or unit trust. They forgot. The first question should always be, what do you expect to get out of 25k? Now based on your question, you decided to invest the money, and decided the ratio to be 1:1 for a 5-10 years time horizon, and a more than 10 years time horizon. So if I may, I would want to deep dive on why 5 to 10 years. Is there a need for the money after that, and what happens if you hit a loss after that time period? Why I am asking is that if there is a fixed use for the money after a time period, then you should go for low risk assets so to ensure you hit your time frame. If all you are saying is, you want to invest for the long term, and you have no specific use for the money, but you want to be able to have a pot of gold for luxury if the investment makes a profit, then the recommendations would change. Hypothetically, if I was your age, and I would try to put myself into your mind-frame, what I would do is to try to do things that will generate intangible life lessons. Hence, I would invest a chunk into stocks directly. This could be blue chip stocks in Singapore, in order to have vested interest and subconsciously you will learn more about them. This could also be higher risk small cap stocks, where you must understand it is a gamble. I might also even venture into US stocks. Options selling is getting popular as a way of active income. If you don't intend to take courses, then put a small amount of money just to learn about that. What is your expectation for this? To be honest, you might generate 671% return from a single stock or option, or you could lose all the money. That's not the important thing. The key is long term consistency, and you are trying to preserve that notion while using the money to learn more. Next, I might look at other viable investments that would take less than 10% of my capital. So I might put a small bit of money into crypto currency, IF it is something I believe will appreciate. Of course, if you think it is a scam, you should avoid. In summary, a good 30-40% should go into a basket that is going to generate life lessons for you. Based on 25k, I might put $5-10k into bluechip types, 2-3k into options writing, and maybe 2k into crypto. The remaining 10k, I would probably put into an investment basket. This is money that is meant for future planning such as retirement. Hence, I would put this chunk into things like ETFs, Unit Trusts, ILPs, or super bluechip stocks. My expectation would be realistic and a longer term 8-12% annual returns. Ideally, not much time and effort should go into managing this, besides top ups, ocassional switches, etc. You should not even have to read financial reports and all too often. Reason is this. You are still fairly young. At your current age, you are going to make more in the next 5 years, than the money you saved in the last 10 years. What you want to do is to focus on increasing your earning potential. This could be focusing on your job (and climbing the ladder), or taking courses to build a side hustle. In the grand scheme of things, you could lose the 25k, and it will just be a drop in your life's ocean. Hence, you should use the money to learn things through experiences. Honestly, 25k, even if you miraculously did better than all the fund managers in the world and hit 30% annual return, it's only $7,500 and if you are a high earner, you might spend that on a business class ticket when you have a wife and 2 kids anyway. Of course, keeping cash in the bank and doing fixed deposits is the worse. Even buying Singapore Savings Bonds teaches you more life lessons. TL:DR: Spread your assets across different RISK classes, and use those as opportunity to be better in investment in the next 10 years. PS: Please don't invest shitloads into crypto mining or other get rich quick investments that promises 25% per annum, or some ridiculous monthly ROI.