The main benefit of ETFs is that it aims to mirror a broad base of assets with a lower fee. If you are purely looking at saving cost and to start investing, this might be a good place to start. But do bear in mind, low fees do not necessarily mean better performance too.

I believe in diversification. I would not top-up into Stashaway in your scenario. Why not try doing some dollar cost averaging method for funds instead? This would help you to get exposure into different assets and at the same time diversify your holdings.

This is my personal opinion. From what I am looking at, cryptocurrency is still not a "need" in this market. Valuation of crypto is still based on speculation and there is still no hard facts that it is something that will stand against recession. If you would like to go for traditional assets, I would say that USD or gold is something that would hold their value in recession. In fact, look at how far gold has gone up this year due to weak market sentiment.

1. Get yourself protected through insurance first. Hospital plan, Death and Early Critical Illness. 2. Save at least 10% of your income to start building wealth. 3. When you have at least 6-12 months worth of emergency funds start to channel the rest of the funds into investments with higher return 4. If you are new, start with ETF, Funds or Robo. 5. When you built up sufficient knowledge and find a great opportunity, invest it into stocks. This is my opinion on how one should structure their basic retirement planning.

I keep my portfolio in this format 1. Stocks/REITs 2. UT (Equities and Bond) 3. Robo I don't do any SSB or fixed deposits as I find that the return they are giving is too low for current interest rate condition. I buy stocks on ad hoc basis and will look for good buys that I can buy into as lump sum. For my UT and ROBO, I do it on a dollar cost averaging method. Buy investing into it every month so that the investment portfolio will grow. If you are new and do not know where to start, I would recommend you to start using either robo or UT to kick start your investment journey.

I believe the annual fee is only chargeable after a full year and they will charge it to your card automatically.

If you are looking at a pure discount for petrol, you might want to look at OCBC Plus card too. As they have upfront 18% discount for petrol + link points that you will be able to accumulate

1. Upgrade your Eldershield to ensure that disability care coverage is adequate. 2. Do you still have any major liabilities? If so, I believe you might want to look into a term coverage that covers death/TPD/TI to ensure that your liabilities are being covered. Advice for term coverage to save on premium in consideration of your age. 3. Early CI coverage 4. Your child should start with hospitalization insurance, life insurance coverage for death/total and permanent disability/ terminal illness/early critical illness.

You might want to start up with 1. Robo-advisory platform to invest monthly with a minimum sum. 2. start reading up and build upon your investment knowledge. 3. RSP (regular saving plan) in stocks or funds to get you started with. These are ways that you can dip your toes into the water to get started.

There are many factors you might be looking at in a good agent 1. responsive 2. knowledgeable 3. service-oriented/customer-oriented 4. ethnical and honesty 5. good camaraderie with the agent It also does not stop you from having a few agents working for you as each might have their own speciality. Some might be good at insurance, some might be good in the investment area.