Just my opinion. I have been a index investor for a few years now. Currently working in China and therefore I invest in China ETF (2801.HK) via HK exchange. However, I did not started investing in China straight away. Like many, what you can do is to start locally with STI ETF, SG Bonds ETF and maybe REITs ETF. Currently my portfolio is something like this: STI ETF: 35% MSCI China: 35% ABF SG Bond: 20% S-Reits: 10% This is just my personal preference and every investor has their own. China is a growing market and will be the largest economy in just a mater of time. Crash? Look over the past few decades how many recessions and crash have we seen? If you are a long-term investor, look 30-40 years into the future. Just my opinion. =) And yeah, do have emergency funds available. Good luck!