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For example, Singapore investors often choose the Straits Times Index (STI) ETF for local exposure or U.S.-based ETFs tracking the S&P 500. Fresh graduates or young investors might consider starting with an ETF like the STI or a broad Asia-Pacific ETF with a monthly investment plan, say SGD 500 to SGD 1,000.

Mutual funds might require a minimum initial investment of around SGD 2,000, but offer advantages like professional management tailored to specific asset allocations.

Costs and Fees: What to Expect

Fees are a crucial factor influencing long-term returns.