@wywy：
$STI ETF(ES3.SI)$For those who are like me, lazy to stock pick, or don't know what to pick, can just invest and put your money in a benchmark country index ETF.Comparing stock pick, ETF is boring. But for me, I don't need the thrill and excitement. I can get those through a EPL game. For investment I want it to be up and steady, pun pee pee. No sleepless night. Just close my eye, setup a DCA, every month just pump in regardless of market trending.At most i just need to chose between the market segment.The STI ETF is like an old man ETF, slow but steady. Good time bad time also around 3% dividend. Which is what I need to build to have consistent base income for retirement. My aim is to live through wit