Given a scenario that you were given 100k, How would you utilise this sum of money?

Personally for me, as i already have enough savings and emergency fund saved up, i will use the 100k and to purchase stocks periodically from the stock exchange.

I like to keep things simple.

First, I would set aside 6 months of my expenses as the emergency funds.
Next, I would simply invest the rest with dividend stocks to have a monthly dividend income.
Finally, I will let these dividends accumulate to allow me to buy more dividends l stocks so that I can earn more dividends.

Assuming that I have my emergency funds set aside, and woud not need this money in the next 5 years. I would invest the money into a mix of stocks and bonds. Currently vested into 90% stocks (global / local), and 10% bonds. For a lump sum, I prefer to put in 50% in the first month and split up the remaining 50% over the next 2-3 months.

If I have that 100k, I will put aside 10k as my emergency fund (depending on your spending) , 90k for investment (100% on stocks, no bonds)

Assume that I have just started investing,
About 10k as warchest (depending on economical climate)
30-40k across etf, mutual funds, robo advisor (passive managed portfolio as my core)
(dcf for robo advisory) + low cost global etf

*As I become more confident, I will reduce my etf to 25k

Based on your risk appetite /assessment :
Growth stock : 5k - 30k (1-2 growth stocks for least risk appetite)
Income stocks : 10k - 35k (dividend play)

If I don't need to urgently use the money for 2-5 years time, maximise growth stocks.

I will not top up in my cpf at mid 20s because I would like to maximise my time frame of about 30-40 years. As long as I am confident in investing, I can gain more via investing than cpf