Hi SK, I will split my investment to - 20% for unit trust - 80% for retirement It is a good time to invest now due to COVID-19 and fund / stock prices are relatively low. I will personally prefer to keep my investment hassle free and allow organisations to manage it rather then investing it myself. For unit trust funds you can consider investing in AIA investeasy product where you can choose a variety of AIA managed funds from low to high risk. For retirement products, you can look at AIA Platinum Retirement Elite or AIA Platinum Wealth Elite (later with death coverage). I do not know you age so it will be harder to advise. These 2 retirement products that allows you to invest while you get payout during your retired years. The projected investment return is around 8%. For example if you are 49 and you plan to retire in 15 years' time, by investing a single pay of $80k, you will be expecting a monthly payout of $2,236 per month for 10 years (total payout $268,320) or $1,470 per month for 20 years ($352,800) in comparison to the investment of $80k. This plan allows you to customise the number of payment, top-up if you like (min $1,000 per top-up), target payout period, target retirement age. You can also choose to postpone the payout age to a later age if you prefer.