At 25 years old with $90K savings, you must be one lucky guy! Good job on having accumulate such a good amount of savings! Before diving straight in onto any investment products, it is important to get a few things in place. 1) Get yourself proper insurance coverage. (Never tell your insurance agent about your $90K savings though, to prevent any possible conflict of interest). Get enough coverage, do not spend too much on it. 2) Liquidity. Set aside a good amount of rainy day funds which you can have access to immediately. A good amount will be your expenses for a few months. 3) Now now. The remaining amount will be what you can invest. Before investing, 1) Recognise the type of investor you are. If you are the type that having trouble sleeping after buying a certain stocks, you might want to consider a more stable investment product. Something that gives a more stable or even guaranteed returns. Eg. SSB, Short Term endowment plans. 2) At such a young age, you are in a good position to take up slight more risk. That is where stocks, ETFs, Robo come into play. It is, however, advised that you spend sometime reading up all these products. Understand where your money is going. Good luck on your investing journey! Am going to shamelessly share an Ultimate Guide to investing from Seedly for you to kick start this journey: https://blog.seedly.sg/ultimate-personal-finance-guide-to-investing-singapore Bookmark the article, share it with your friends. Tattoo the important information somewhere.