I am a graduating student in university with no debts currently and even after graduation in around 9 months. I have 50k SGD in SG stocks and about 4k SGD in Singlife, should I invest in stocks or?

Great job with your investment. It's a feat for someone your age to build a 50k portfolio.

Rogersk made a good point about having the basics covered, which is getting your insurance first. Health is wealth. As insurance premium gets more expensive as you age, locking in the cheap premium when you are younger is a very good idea. You might not need all the insurance mentioned yet as you may not have the financial capability to afford all of them.

Investing in robo is a good way to get yourself started. However, if you are looking for alpha, you can look into managed funds and build your sophistication from there. 50k in SG stocks is exposing yourself to geographical risk so you might want to diversify into other global equities.

Managed funds may give you access to markets and instruments that are not typically available on the secondary markets. Having proper asset allocation is also key so you are able to sleep soundly when the markets are volatile.

Having a strategy to do portfolio rebalancing is probably the next step you can embark on as you acquire more knowledge. ​​​

First off, any university student with 50k sitting in stocks has my respect. Good job on accomplishing that.

View your wealth this way: earn income, protect yourself, grow your wealth, protect your wealth.

Earn income

Start looking for job opportunities if you haven't already got one. Yes, everyone is talking about side hustles, flavour of the month. But having a good day job is under-rated. It provides income, gives you job satisfaction and a new circle of friends.

Protect yourself

Roger has given a very good run-down on the building an emergency fund and getting the insurance coverage you need. I won't belabour the point. Protect yourself, financially.

Grow your wealth

I note that your exposure is to SG stocks. Some people recommend buying overseas markets like US. Why not buy the whole market? MSCI World Index returned 10.81% annualised from 1978 to 2020. Everyone here will tell you that the market tends to go up. Invest globally so you reap returns from all countries and no one country's poor performance will significantly degrade your portfolio's performance.

Protect your wealth

When you have amassed a sizeable wealth, then it's time to preserve it and hand down to the next generation.

This framework is how I broadly view personal finance. Evaluate yourself within this framework and see what stage of life you're at. Plug and play accordingly.​​​