Hi Shawn, in my opinion, all ETFs on DBS Invest Saver are on the low risk side. Other than STI ETF, you can also look into ABF Singapore Bond Index Fund and Nikko AM-StraitsTrading Asia ex Japan REIT ETF. However, the downside of those is that their return is relatively low. I'd actually suggest you create an account with FSMOne and use their regular savings plan (same as DBS Invest Saver, whereby you invest $x every month). FSMOne RSP have more varieties for you to choose from, and I'd personally recommend iShares Core S&P500 (IVV), Vanguard FTSE Emerging Markets (VWO), and Fidelity MSCI InfoTech (FTSE). Another option for you in POEMS Share Builder Plan (same, they're regular savings plan like DBS Invest Saver and FSMOne RSP). Here, you can buy REITs for dividends income (since you'd prefer low risk) such as Capital Land Mall Trust, Mapletree Commercial Trust, DBS and more. Robo-advisor such as StashAway, Syfe, MoneyOwl etc also provide you your own customized portfolio that cater to your preferred risk level. All the best for your investment journey, stay safe, stay healthy, and stay invested!