Hi, i'm also starting my final year of uni this Aug. I've used both Stashaway and Kristal.AI so here are my 2cents worth. Firstly, for Stashaway, it's pretty clean & easy, deposit your money and then they'll do the rest. SA will use all the funds and buy fractional shares. I prefer this method so i can put any odd sum of money (eg $515) and it'll all be invested. Just to note, during the month of March when stocks were plunging badly, i DCA $50 weekly all up to 3rd week April. Now, i'm sitting on almost +9.60% return (SGD). SA did re-optimse and sold some US stocks, such as the S&P500 IVV and VGK. Invested into China's KWEB and BNDX instead. Secondly, for Kristal.AI, a good thing it has over Stashaway is that YOU CAN CHOOSE whatever ETFs u want to invest in. Personally, i used it for QQQ (also sitting on +ve return; created acct in March). Only big downside i feel is that they use the unit NAV and u must deposit min 1 unit. So if u have $5k and assume you want to DCA monthly $500 into Kristal, u will only be able to invest 2units, using the unit NAV price of US$239.69. Personally, if u have $10k, i'd recommend u can try invest 5k into Stashaway and 5k into Kristal, DCA monthly $800, and then see how it works for you the next 6 months. Meanwhile, u can read up on more investing books/financial blogs, gain some financial knowledge and create a CDP account so u can DIY your own SG stocks, or an overseas brokerage (IG, TD) for US/HK stocks. Hope it helps!