Lets take an approach for you to help yourself. Like the answer above, are you able to explain why you choose reits, those reits and no other stocks? Reason why I am asking to find out - are you a little more on the risk averse side? - is it because you prefer regular dividend payouts for cashflow? - are you open to choosing something else? - Do you have a particular goal or timeframe? I think you need to figure out some of these first before folks can advise. Without going into the details, on face value, I have no issues with the three listed reits, they are in my portfolio. BUT I stopped my monthly investments into them as I feel the reits are slightly overpriced now. Having said that, I did come up with an approach like a modified DCA on top of DCA. As you are looking at a very long term approach, it may not be a bad idea to start a small position then adjust as you go along because time in market is better than timing. Let me assume you work for less than 5 years, you can save a fixed amt each mth, and also assume you are adverse to picking the sti index fund or stocks, and also you prefer cash savings / investment to prepare for a hdb purchase or wedding. - if you have outstanding credit or tuition loans, clear that first. - if you cleared those, no major debt, and got 3 mths reserve already then Maybe you can try this (assuming you only open to the three reits n nothing else) Set up the poems to do only monthly contribution to one of the three reits (you do your homework, and choose the best among them, probably using dividend yield as tie-breaker). The monthly transaction fee / monthly contribution should be less than 2.5%, but up to you to choose the amount. You do quarterly check-ins and re-rate the three, probably using yield as one of the major deciding factors again. If the re-rating shows another of the three reits to be better, you update the monthly contribution to change to that reit. This would lead to preferential throwing the contribution at the best reit of the time, and after some time / years, the portfolio should be reasonably balanced at optimal cost.