Hey friend! You look pretty well diversified already locally and overseas, with a good split of bonds/equity. In fact you have a pretty similar breakdown to mine, with the exception that I have also a good amount of stock in local REITs. I will answer your question in a few pointers: - I feel your SSB is a very safe portion which gets you decent interest (but if you dont really need it for the near term, and if SSB gives you max 1.9% in 10 years, you could be better off in a higher yield savings account? - Next if you have 24k cash and you say you only need 14k emergency, then you definitely could consider something which yield more returns with also more risk (and you can DCA into a US ETF) - Lastly, I feel that education may be a good thing to do now, as you can potentially look to invest in individual stock if you want to (when the market turns and more undervalued opportunity potentiall arises) The last point is food for thought! I always believe that while robo-advisors are good, you should also cater 20-30% of your own wealth fund to something more tactical, with more risk/return payoff... for me I'm also doing the same, but with two eyes open! For Diversifying among robo-advisors (eg Stashaway and Autowealth), I dont really know the reasons for that... because underlying funds are almost similar (as in what they invest in on your behalf, only the costs differences are marginally different) Lastly, you can find the referral code for Autowealth by the users here: https://seedly.sg/questions/what-is-your-autowealth-referral-code Hope this still works!