Well, with little cash on hand I assume let's say, $1000. With this $1000 you can actually do quite abit - for example you could go ahead and put a good amount ($300) into shares within the Nikko AM STI ETF, which allows you to tap onto the stable and high dividend paying market. Of course, this willbe a long term investment, so don't go expecting any windfalls in the near future, since I wouldn't say that the Singapore exchange market is particularly "exciting". The payouts in dividends and be used to be redirected and buy more shares within the ETF, but I suggest that you instead accumulate a good amount of money each time to do so - the trading costs of even the lowest online brokerages in SG are about $5? This constant buying of stock will add up, But, giving yourself exposure into an ETF will definitely make you start learning more about the STI 30 companies, and make you more aware of the weakness of the singapore economy eg. too reliant of financial companies - financial industry bad news will lead to a bigger than proportionate fall in the STI as compared to other indexes, for example. you could also place half within SSBs - which enjoy near impervious from defaulting status given that it is backed up by the Singapore Government itself.currently if I'm not wrong SSBs are yielding about 2.4% long term if you hold them to maturity, meaning 10 years. This will allow you get an idea of how bonds work, their payment methods, and the way to go about getting government securities. They cost $500 per bond, which you need to subscribe for by the end of the month, so do look up more info about SSBs! it's a unique instrument to Singapore's non- debt financing government context! Then comes the final about $200 dollars. this $200 dollars is leftover for you to try out the stock market, not just Singapore, but perhaps US as well. I truly think the best way to learn the stock market is not only to read more books, but to literally trade yourself. Use this money to pick a few stocks in invest in - justify your reasons why you want to invest in them (please make sure it makes logical sense why you invest. not just by gut feel or because you heard of them before) and then go ahead and put money into them! And continue to track their progress with the news, you will see a trend where particular news will affect particular stocks differently! Eg. When oil prices fall, Ultility stocks like SP Power mostly will rise in price (given lower cost of producing electricity) and your Electrical Vehicle stocks prices will fall (given that oil is cheaper = normal cars cheaper). this is just a rough example! So I hope this helps you a little, it's just a passing thought of mine, but I really think that no matter what you do, putting real money in as a commitment will really make you learn alot more about the financial industry and about yourself as a investor. Good luck!