Hi there! One thing you need to think about it how liquid you want your funds to be, and when you want to be able to use these funds. Also, di you already have some savings saved up for rainy days? If you don't have around 6 months worth of spare cash (based on your expenses), then you should start with that. Perhaps CIMB Fastsaver (1% int.) would be the most simple one. Alternatively you could go for DBS Multiplier or OCBC 360 savings, but these require salary crediting. You could also look into SSB. If you are investing for long term, and do not need the cash immediately, then go for STI ETFs, or REITs! These usually yield higher returns, but at a higher risk! Educate yourself before investing! Hope that helps!