Buy United Overseas Bank The bank with sturdy growth and strong balance sheet will have a good upswing by around 30% in 1 year it is good buy for excellent dividend and growth.
The best dividend based ETF is SCHD gives great dividend and does not fluctuate much.This is one of the highest paying dividend ETF. There are also MLP ETFs but their accounting is complex #etf
One of the best tips I have received on investing is to buy stocks close to the book value, as if the stocks are valued much higher than than their book value, they are most likely to be speculative.
stock investing needs a lot of time in understanding companies, ETFs are an amazing alternative and great trick to have your savingsand let you money grow at an average CAGR of about 6-8% per annum