What would be good for me to start investing with my savings?

Hi!

Congratulations on starting your investment journey! However, since it is your first investment, here are a few things that you should assess before actually investing.

You can start by assessing your insurance and emergency funds needs. Insurance should not be loo large, but enough to cover for risks. Emergency funds should be enough to cover 4-6 months of expenses and this fund can be left in the DBS Multiplier itself so that it can be used as and when required. The remaining amount can be used in investments. You should arrive at your financial goals and an investment horizon based on those goals. For major goals like retirement, you will typically have a longer horizon and for any other goals, you can have a short horizon. Once this is clear, you will also have to assess your risk profile. This will depend upon various factors including age, knowledge about the markets etc. Using the above information, you can arrive at the asset allocation and start investing. All of this may seem a little overwhelming since you are just starting out, so I suggest you look into robo-advisors. They will charge lower fees and help you go through your investment process smoothly and provide you access to international markets.
I work at kristal.AI, and it's my passion to evaluate various upcoming investment opportunities.

At 25 years old with $90K savings, you must be one lucky guy! Good job on having accumulate such a good amount of savings!
Before diving straight in onto any investment products, it is important to get a few things in place.

1) Get yourself proper insurance coverage. (Never tell your insurance agent about your $90K savings though, to prevent any possible conflict of interest). Get enough coverage, do not spend too much on it.

2) Liquidity. Set aside a good amount of rainy day funds which you can have access to immediately. A good amount will be your expenses for a few months.

3) Now now. The remaining amount will be what you can invest.

Before investing,

1) Recognise the type of investor you are. If you are the type that having trouble sleeping after buying a certain stocks, you might want to consider a more stable investment product. Something that gives a more stable or even guaranteed returns. Eg. SSB, Short Term endowment plans.

2) At such a young age, you are in a good position to take up slight more risk. That is where stocks, ETFs, Robo come into play. It is, however, advised that you spend sometime reading up all these products. Understand where your money is going.

Good luck on your investing journey!

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