Start my investment journey with ETFs or with a Robo Advisor?

Self investing via passive indexing ETFs is recommended.

you need to read a lot on all associated topics, though

and you need an almost 0.00 SGD/USD fee online brokerage account,

feasible with U.S. brokers like TD Ameritrade or Charles Schwab

And currency conversions SGD to USD for buying USF denominated equity

should always be done by services like Transferwise, even within singapore.

A few things to take note first.

First of all, different strategy for different age profile clients.

Once you have already set aside your emergency funds, the rest of your funds can be made to work harder for you.

I would divide it into 3 portions

1. Funds to be used for different life phase. Are you intending to buy a house? Are you intending to start a family?

2. Build up a passive income by diversifying into different portfolio. Robo advisors is one of the way to start. But you might not want to be only exposed to them. You can diversify into funds, reits, stocks etc. So that you can gauge their performance and build up your portfolio as the year goes.

If you would like to find out more, of course I would be happy to dive deeper. Just feel free to message me back.