How can I make use of my $100-$200 extra every month?

Save about 5-6 months and DCA into ETF at a half yearly or annual frequency.

I love STI etf a lot, and have written crazily over its ability to be greatly diversified across many industries by just purchasing one counter

Given that you have not started on investments..

How to Start Investing

1. Accumulate capital. Like the $100-200 extra every month? That adds up.

Everyone needs to start with some investment capital. Also of your pool of available capital, decide how much you want to invest.

2. If you can, start as early as possible. Compound interest allows your account balance to snowball over time.

3. Open your CDP account (which you have already). For the benefit of those who haven't, sign up via the instructions here: https://investors.sgx.com/cdp-account-opening/#...

4. Open your brokerage account, and link your CDP account to it.

5. Understand your investment options.

There is a whole world of investment products out there from stocks, bonds, ETFs, mutual funds to the more exotic or less mainstream ones like art pieces, scultures, gold, and cryptocurrency.

Read up lots to understand your risk appetite, and form your own investment strategy.

6. Execution is everything

I always like to say that one can spend a decade reading and not deploy a single cent because of fear of procrastination. I always say to start early, and start investing in small amounts so that you can better understand yourself as an investor.