Woah congrats! Many would aspire to be in your position in early 30s! There are so many ways to construct an investment portfolio that is it so hard to answer this. But the fundamentals of an investment portfolio comes down to, what is your risk appetite. Low risk = higher allocation in low risk investments (High yield savings account, SSBs, defensive REITs) High Risk = higher allocation in high risk investments (REITs, growth stocks, alternative investments) Im not a financial advisor so I can only share what i wish would be in my portfolio if i have S$250,000 in savings. Risk appetite: Moderate to high risk Cash in high yield bank account: S$50,000 . I'd allocate these into DBS multiplier for a 2-3% annual interest rate. This forms my daily expenses, emergency fund, serves as liquid cash. REITS: S$100,000. I'd aim to get some good quality REITs which gives me 5-6% of annual dividends, of which I'll reinvest to get more REITs. US Growth Stocks: S$100,000. I'd aim to get 6-8% of annual capital gain from this, of which I'll reinvest into my REITs portfolio to get more recurring dividends. Of course, if I were to do these, I would have made sure that I have S$50,000 - S$80,000 in my CPFSA as a safety net / buffer for my high risk appetite. Disclaimer: This is an illustrated portfolio, and I'm not a financial advisor. :) Private property is great but with S$250,000 - it's pushing it a little, even more so if its a single owner occupancy. A 3BR condo can be between 500k - 1M or more, and the downpayment, renovation, monthly upkeep and mortgage can be stressful. Are short term saving plans eg. lock up capital for 3-5 years with 2-3% returns good? Hmm i honestly dont think its good. There are many other instruments that gives u 2-3% without the capital lock up (high yield savings account, some defensive REITs). Hope this helps!