Hi! I am 31YO F married with a kid, have paid off my housing loan. I would like my cash to be working harder for me and to get started on investing, any suggestions?

It's better for you to dollar cost average monthly into ETFs, now it's so accessible, be it banks or robo platform.

Looking at your age and asset size, you definitely have discipline to invest on your own. Just dca in etf, you don't need to be knowledge inclined in investment to perform it.

Imo you don't need to reach out to someone to look after your portfolio, u already manage better than them :)

I would advise engaging a financial planner to look after your portfolio on a macro level. The planner will ensure that whatever plans you have will be done via autopilot, together with looking out for your risk factors and gaps in your plans.

There are avenues such as robo advisors which have changed the playing field in investments. This platform can be used to generate higher returns. Investments via insurance channels are very specific and should only be done if you really require the legal benefits, as well as the insurance components that fits into your whole financial plan. You can calculate a guideline for wealth here:

https://www.aaronleow.com/wealth-projection-cal...

The above should give you some guidelines for the wealth that will be generated through setting aside a percentage of your income every month.

Overall, if your concern is that you are busy with your career and family, engage a financial planner and your learning curve will be cut by decades.

Hello! If you don't have the time to monitor your investments, one of the best alternatives is to invest your money with financial institutions like insurance companies where they have expertise to manage your fund investments according to your investment risk profile.
Your money could potentially grow 4%-8% annually and will provide fund performance updates.

I'm a certified Financial Service Consultant under AIA and happy to share more with you. Do contact me if you are keen to get the details. 😊

You can start with regular savings plan or robo advisor for diversification. Meanwhile your can research on how to invest and learnt more about individual companies.