Just like the constant advice I receive here, you ahsould set aside 6months worth of emergency funds first. Make sure you have insured yourself from anything that can stop you from having an income. If you have 0 experience, then the first thing to invest in is yourself. go learn/take up courses for personal finance. If you already have an idea, then you probably would want to start with something with lower risk eg STI ETF, or even SSB. Alternatively, you can consider roboadvisors for low effort and lower fees. After which you can go on to individual stocks and REITS. They key is to diversify, and not to put all your eggs in one basket! Do ask more if you want to learn more, the community is very knowlegable and willing to share! I myself have learnt a lot here!