I'm a 20 yr old NSF, 3 months into service with 14k savings. Is this a healthy amount of savings and what are my investment options if I have a low-medium risk appetite?

Hello! 14k at your age is definetely a healthy amount! However, I think more important than how much your savings are, is that you get your investment journey started early - no matter how little.

Firstly, you can put your savings in a high interest rate savings account like Singlife to maximise your returns. Then, as Wee Wen has mentioned, you could use a robo-advisor like stashaway.

If you are a little more knowledgeable with the market, and have the time to do some research, you could open a brokerage account and start investing in individual stocks/ETFs.

Hello! Given my social circle of NSF friends, I think your level of savings is definitely healthy. Good for you! I think you might want to consider leaving your money with a Robo Advisor such as Stashaway! Their app is very simple to use and you can select your preferred risk level. If you need more cash on hand, you can simply withdraw your money at any time from the app too. Your money would be back in your bank account within a few working days :)