I think it is important to start with the end goal in mind and ask why you need to invest, more so than what to invest. They are two different questions. If your goal is to beat the dismal interest from banks, then savings bonds, endowment with any insurer or fixed deposit will allow you to do that. If your goal is to beat inflation, then you might want to consider putting into ETF pegged to SGX or US exchanges (NASDAQ etc) because historical trends have shown positive interest over the course of 5, 10, 20 years. If your goal is to grow that amount into retirement, you need to start working backwards to see how much is required when you turn 45/55/65 and what is the required compounded interest rate required to grow that $50k. My other advice is rather than going all in with $50k, break it down and do monthly investment so you average out the cost of the investment vehicle you decide to go with, and even out the risk even if market falls tomorrow, next year, or the year after. Good luck!