With an amount of around $10K - $20K, what assets will you invests in based on current market conditions?

Based on this kind of question, I feel i will just invest in STI ETF< my feel is that the aim is to put as little effort as possible but also to enjoy market upswings. STI ETF does exactly that for you to enjoy the movement of market conditons

First of all, before investing, you must have some sort of knowledge. You do not have to be an accountant in order to invest.

What i can advise is always invest in yourself and invest for the long term. Do not invest in any quick scheme investment where they offer you such as 20% ROI per month such investment.

How to look for good investment? For me, i invest in myself. I join courses and minggle with light mided people. This is where i get most of my investment ideas from!

Investing of cuz requires effort. That is why you shouldn't invest into too many companies because it is hard for you to follow up on.

Spend most of the time initially to look for high quality business. I can tell you this is where you will spend most of your time into researching about the company. Once you have understand and habe conviction into the business, then start to invest in it.

If you do not want to put in any effort, i can suggest you to invest in SPY index with dollar cost averaging method.

$10K - $20K would allow you to probably get 2-3 stocks, or a basket of UTs and ETFs.

If you want to invest with minimal effort, go for UTs or ETFs.

If you have time to monitor, you can select 2-3 stocks and continue to watch them.

If you invest for the long term, the current market conditions should not be something that you would worry excessively about, as long as you invest in the correct holdings, monitor and rebalance, then let the market do the rest.

Before investing, I want to be sure that what I invest is for the long term. It must be a solid business with long runway, despite whatever market condition it is. Effort required? Well you gotta do your extensive research & homework in the beginning, but once that's settled, probably just a review every quarterly to ensure the business is still as per what you are forecasting (or even better).

If you feel that is too much work still, you might want to consider Exchange Traded Funds (ETFs). These ETFs has a diversified pool of stocks, be it from the same industry or the top blue chips in the country (in Singapore, it's our STI ETF). That way you are auto-diversified already, and the only difference between individual stocks is that it's generally more safer? And with that, your returns will also not be as much as individual stocks per-say.​​​