A group of fellow bloggers have banded together to write an e-book on their recommended strategies on investing their first $20,000. The book was sparked by an article in the local newspapers on the same subject which the bloggers felt have been slanted toward funds touted by fund managers. I have read the ebook by the bloggers and could identify one common theme running through the book and that is for the preference of investing in Exchange-traded funds like the STI ETF. The reasons cited are reasonable to me: with ETFs, an investor could achieve diversification of their investments and achieve decent dividends relatively risk-free. So after reading one camp advocating investing in funds and of the other camp’s preference in ETFs, I became excited too by the same topic, in the sense that I would like to share with you what I would do with that first $20,000 investment ......