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!