You are not able to lock-in an entry price on Kristal.ai which is why they reserve an additional buffer in case of price fluctuations until the purchase is made. FSMone on the other hand, gives you full control of your entry price.

Given yor age and info you provided, I think you should be able to undertake more risk and go for more aggressive growth stocks. Dividend stocks can still be part of your portfolio but perhaps a smaller proportion than current.

It takes a while for your transactions to show up on the DBS Lifestyle app(for managing DBS credit cards) because the acquiring bank of the merchant has not processed the payment. This could take several days, sometimes even up to a week. For Citibank , you can download the Citi Mobile app to manage your credit card(s). For Standard Chartered Bank , its the SC Mobile app .

You mentioned about setting aside money for insurance,tuition fees and emergency funds. You are well ahead of many others in both your financial planning and financial standing, especially among your peers. As for how to allocate 100k cash into investing, your proposed strategy would mean 100k AUM under StashAway which will put you in the tier of 0.6% management fees. This means you will be paying StashAway $600 for 100k of funds being managed every year. If you are looking to deploy this amount in a lumpsum, you may be better off buying directly into a range of ETFs from stock brokerages on your own. But of course, the management fees you pay to StashAway is for them to rebalance the portfolio on your behalf to ensure your returns are maximised. You get what you pay for in some sense. For many who plan to invest say 10k or less, roboadvisors are a good propisition because they pay less management fees than trading fees if they were to buy ETFs on their own. In your situation, you may wish to be open to the idea of buying ETFs directly. Given your stage in life(I assume you are a freshie in uni) and that you have planned for quite a number of things like insurance and tuition fees, I would feel that you are in a position to take on greater risk. For roboadvisory or StashAway specifically, you can still look at 50% income portfolio and 50% general investing but for the general investing portfolio, can suggest you go for 26% and above risk index. The above is based on the assumption that your circumstances are based solely on the info you provided. Either way, you are off to a great start!

You should think about selling a stock not because it's about time since its been 3 years or 5 years or 10 years, it should be about whether your investment thesis remains. This means whether the research that supports your decision in buying and whether the profitability of the company still sticks. Take Coca-Cola for example. The stock has been consistently giving out dividends year over year and is regarded as a very stable business because who doesn't love drinking Coca-Cola? It is a classic soft drink well-loved by many for decades, especially so for the Westerners. Investors who held on to Coca Cola stock over the decades have been well compensated with dividends. However, much attention has been paid to the harmful effects of overconsuming soft drinks and the high level of sugar that could lead to health issues like diabetes recently. Many countries are also starting to impose sugar tax to signal consumers to consider healthier alternatives. If Coca Cola adapts well and starts venturing into healthier alternatives, then you can consider holding on to their shares. If they still stick to their original Coca Cola as their core business as with previous decades, then maybe its about time to sell.

High interest savings account can only get you so far with 1-2% interest(e.g Singlife's 2.5% interest up to 10k). To make your money work harder for you, you got too look at investing or increasing your income level by consistently upgrading yourself and being better at what you do month over month, year over year.

Based on historical performance, the STI has been underperforming compared to say the S&P500. Going forward, it is difficult to predict what the performance will be.

I would prioritise investing SRS in Endowus because funds left in SRS only earn a miserly 0.05% p.a. where as CPF OA earns up to 3.5%. Having said that, there is also nothing wrong in deploying funds from both into Endowus or for investment-related purpose. The most critical factor for most is probably ensuring you have enough CPF OA for the downpayment of a property you intend to purchase in future or to finance your future/existing mortgage loan for X number of months as a buffer in the event you lose your source of income(assuming you finance your mortgage by CPF OA).

This will depend on the trading fee imposed by the stock broker or platform that you are buying the ETF from.

Suggest you get a reliable and trustworthy agent to go over your policies and determine if you are overinsured. It is difficult to determine if you should continue holding on to those plans without having knowlege of your personal circumstances like number of dependents, income level, etc.