Hi. Will you be paying for your own tuition? If yes, you’ll have to side aside those funds accordingly. As you’ll need the funds in the short term, you definitely should not take that monies to invest. Else if your tuition and university living expenses is settled, and you have remaining funds to invest then you should look into investing into a portfolio with more equities as you are still young and have the time horizon to ride out market lows. If you are not a very financially savvy and don’t know how to pick your own stocks, then ETFs is a good idea. You can also consider roboadvisors like Stashaway or Syfe. For example, you may pick a brokerage like FSMOne and dollar cost average into Vanguard S&P500 ETF which is an etf which tracks the S&P500 index hence sometimes referred to as an index fund. Personally Im also NSF and investing in STI ETF using POSB Invest Saver because they had a promotion on sales charge a while back as well as Syfe REIT+ because they pay dividends quarterly. But once the promotion for POSB Invest Saver end, Im thinking of investing into Equity100 with Syfe with a 20-30 year horizon.