What is your view on diversification? What would you recommend to diversify in Singapore's market - to maximize returns and minimize risks?

Diversification is always key!!! Diversifying will ensure that your risks are spread and you do not bear any unsystematic risks, which are unnecessary risks that will not give you any returns.

Any good investor will tell you that there is no way to stock pick and beat the market. Hence, always put a significant part of your portfolio in global markets like the s&p500 to have an almost guranteed positive return y.o.y! ​​​

Diversification is always very important. Singapore is only a small player.

when it is a major global/asia banking hub, the banking sector on a global view (particularly Europe) a sector at risk, possibly Singapore banks have an edge because of fast tech innovation/implementation. I would be cautious though.

as to Singapore: For me the Singapore REIT sector (S-REITs) seems the most favorable and I'm investing not in single REITs but the dividend distributing (more than 4% currently) Lion-Phillips S-REIT ETF. good luck !