@koolgal:If you are new to investing and have limited funds, $STI ETF(ES3.SI)$ is a great ETF to get started with.The $STI ETF(ES3.SI)$ tracks the STI Index which comprises of the largest and strongest Singapore companies by market capitalisation. DBS occupies the top spot with 18% weightage followed by OCBC and UOB. Together the 3 Singapore banks takes up 43% of STI ETF.The STI ETF is also the bellwether of the Singapore economy too. In the latest economic report, Singapore's inflation is 5% due to high petrol and food prices. It is important to stay invested as inflation will erode the value of your hard-earned dollars otherwise.