Hello First of all - Congrats on the savings! Nice job I'd start by asking what are your goals with this investment? Is it for short term, is it for retirment, is it simply to be invested and grow your money? Looks like you already have some in your CPF SA which is for retirement and a low risk investment. Given your young age I would consider most if not all to be in equities and the rest in fixed income or money market funds, a 70/30 split. Or if you have a higher risk tolerance then 100% equities, especially considering you already have some in your SA account. In the Equities you can put it in lower risk investments such as Index ETFs or even theme ETFs, so whilst its all in equities, its diverified within a basket of stocks. My whole belief is to start making your money work for you! Create a split between dividend stocks, index etfs and growth stocks. And the money you have sitting in cash - consider something like Stashaway Simple - where you are atleast getting 1.9% and can pull it out anytime! Goodluck! Feel free to ask any more questions!