Hi anon; It's a very general question, so I can't get into the specifics. A list of things to consider before you start: 1. Have you sorted out your insurance? 2. Do you have adequate rainy day funds (this should be a yes, looking at your numbers) 3. Have you cleared or are clearing all your debt (study loan, etc) If that's in place, then a simple 3 step frame work would be 1. Set your goal. Know what you want to invest for. What do you want to achieve? What's your timeframe? How much do you need for that goal? 2. Assess your situation. What is your cashflow? What are your financial ratios? What's your budget? 3. Plan. What kind of asset classes will you want to consider? How much risk can you take? Broadly speaking, asset classes can be guaranteed or variable. On the guaranteed side, you have CPF, SSB, annuities, etc. Variable instruments include UTs, ETFs, shares, etc. Understand what the pros and cons of each class are, and then craft a strategy that works for you, remembering to strike a balance between guaranteed and variable asset classes. There are simply too many things for you to invest in out there and I can't be putting into writing here or I'll end up penning an essay. If you have further questions, you can reply to this post and I'll see how to better tailor my response to your query.