I have very minimal knowledge on investment. How do I start out for a fresh graduate working on my first job? Are there any platforms I can tap on? - Seedly



Asked by Cherlyn Chen

Asked on 09 Jun 2019

I have very minimal knowledge on investment. How do I start out for a fresh graduate working on my first job? Are there any platforms I can tap on?


Answers (8)

Sort By

Most Upvote

  • Most Upvote
  • Most Recent

Most people have minimal knowledge on it too! Don’t worry! ☺️

For starters, I hope you have your insurance set up and emergency fund growing. Don’t go into investments without doing those first.

With your first Job and having little investment knowledge. Focus on building up your knowledge, invest in yourself by going for courses and reading up books. You can set aside 5 to 20% of your income for self-education.

Speak to professionals like myself that are in such practice. Hear from them and understand the differences in the 6 major asset classes

There are some great websites out there to read too, do visit them.

Tap on those areas and you will grow!

Good luck



Start by saving 6 months of your income for an emergency expense that you do not touch.

Invest everything else you don't need within 3 years.

Invest globally, invest for the long term, and diversify across and within asset classes.

Easiest way would be to set up a globally diversified portfolio with asset allocation aligned with your requirement, willingness, and ability to take risk, through a traditional or digital financial advisor.

Seedly has tons of great articles on getting started, but do seek advice from professionals should you need closer guidance. :) Good luck!


Serene Toh
Serene Toh
Level 6. Master
Updated on 09 Jun 2019

Congratulations you’ve come to the right blog. Refer to the link below written by the friendly people from Seedly. Even if I don’t answer prob the admins will gave you this link

Your Complete Guide To Winning Your Personal Finance In 2019 (Guide Included) https://blog.seedly.sg/beginner-series-tips-seedly-money-framewor?utm_source=app&utm_medium=share

In summary, you should try to follow the sequence,

  1. Learn about your spending habits by recording all you spendings and creating a Budget. Adjust target accordingly.

  2. Save enough for Emergency savings.

  3. Get insured.

These first 3 items should be more than enough to occupy you for 3-6 months into your first job. If you have time, can do some reading on investments. But I really don’t suggest putting too much on your plate while you are trying to develop a new habit. “Simple” is the key to keeping to a good habit.

After putting aside your em funds and purchase your insurance, then you start to invest. Most of the guys in the blog will suggest you start with sti eft, if you want to invest while you are still “blur”. For someone with insufficient funds (I assume) can use regular saver, so it’s less strain on your month budget. There is also quite a few robo Advisors that are now in the market. Do note that these options are recommended for mid-Long term investments.

I’m really not the best person to answer questions on investments, so I shall await the answer of the Shi fus.


Ericsson Ting
Ericsson Ting
Level 4. Prodigy
Answered on 11 Jun 2019

Yes,you can read the various seedly articles which are interesting and insighting

also,you may want to...

1.Create your monthly budget

  • You are most likely going to spend more then necessary if you do have a pre-planned monthly budget. Keep a clear record of your earning and spending habits, and plan a budget accordingly.

  • In my case, I do not have a pre-planned budget but I have a fixed amount of cash in my wallet that I put at the start of the week allowing me to keep track of my expenses easily.

  • There is no doubt that credit and debit offer you an easy way to make payment. 

  • However, using cash will help prevent spending more as you will budget accordingly. You will also be protecting yourself from potential credit card theft and other fraudulent activities.

2. Get a piggy bank

  • It may seem childish, but starting a piggy bank is a great habit that will enable you to add to your savings. 

  • You can either fix an amount to put in your piggy bank daily or simply empty your pockets into it at the end of each day. 

  • In my case, I empty my coins out into the piggy during the weekend.

  • You can also opt for an auto transfer from your main bank account to your sub-account(money cannot be seen are money that cannot spend)

if you would like too invest,do visit my blog: https://sonicericsg.blogspot.com/2018/12/post-72week-48tipforthought10-financial.html

i am currently creating a series of post on my learning investing journey


Jeff Yeo
Jeff Yeo, amateur Social contributor at School of social sharing
Level 7. Grand Master
Answered on 10 Jun 2019

A few things to setup

  1. insurance

  2. emgency funds

After that you can consider the following to level up your investment knowledge


Gabriel Tham
Gabriel Tham, Kenichi Tag Team Member at Tag Team
Level 9. God of Wisdom
Answered on 10 Jun 2019

Savings is the key.

Build up savings.

Start investing as early as possible, and invest consistently.

Avoid scams and get rich quick schemes.

There are many ways to invest and it depends on your risk profile.

There are also easy ways to invest using robo-advisors.


Steph Yeo
Steph Yeo
Level 6. Master
Answered on 10 Jun 2019

You're at the right place then, welcome! Search around the questions and answers here, most likely you'll find what you need and more! Then also pop over to our fb community for more regular and light-hearted discussions :)


Siow Nan
Siow Nan
Level 6. Master
Answered on 09 Jun 2019

Read and Learn from seedly and other investment blogs.

Build your emergency funds first, get covered by hospitalization plans.

save, and plan your savings Budget, maybe into high interest savings account for a start.

while achieving above goals, you should have read up plenty enough to start the next level or save up enough extras for riskier investments. Conservative ones are ssb and other bonds, then ETFs or unit trusts.. reits and equities (can start with blue chips)