It does take time to have a feel of the ground (markets or products) and understand your own nature when investing. Am still learning myself, from.others too. Keep it up, and ganbatte. As to your question, putting your money in SSB is a wise or prudent choice. I do park my cash (after emergency funds) and SRS funds in SSBs, letting them earn higher interest while awaiting opportunities. Assuming you have no pressing debts or immediate financial commitments, consider: 1. Your reaction to perceived loss or volatility in asset price e.g. Shares. 2. Your goals for deploying your funds, and when you be needing it potentially. 3. How well you understand the nature of your investment (e.g. risk, fees, company accounts, etc) For example, say I can't handle well the drop in share prices that it will drive me nuts and I'm prioritizing my retirement - topping my SA, MA is an option (plus: you get tax relief too). Or, you have some tolerance to volatility and want to invest in the markets, but don't know how to assess companies - low cost ETFs, Rabo-advisers, RSPs (POEMS, FSMone, DBS, OCBC, Dollardex) via daily cost averaging is an option. Buying shares or Reits enables you to attend AGMs, ask management questions on their business and plans, or perhaps enjoy the annual buffet spread too. It can be a potential emotional ride, especially when buying the wrong company. So if you be intending to test the waters, I suggest starting small or within your means (e.g 1 lot or 100 shares) for such privilege, and buying a business that is sustainably profitable over the long term, not something speculative. Please do your own diligence when undertaking this route.