My brother who regularly invests in an investment trust told me that it’s a risky business and hence you should always seek help from experts. He always takes all his investment related decisions in consultation with DBS Bank. You too should consult with an expert!!
Insurance is something I feel everyone shld have some. No need alot. Basic like life, medical, critical illness, total permanent disability . Savings wise if have money extra then buy savings plan or invest in unit trusts..