What should I invest my money on??

I'm 22.
Just had a stable job for almost 10mths now living in Singapore.
So how much money am i suppose to fork out for investment?
what type of investment should i take?
Low risk, high returns.
help me please!

since you are only 22 you can have some risk since you have a long way till retirement. But if you dont feel like studying, learning about stocks and stuff, I would recommend investing in the S&P 500 exchande trades funds. Get an account from etrade, zecco, scottrade, etc.. and buy the ticker SPY.

you can have financial planning of 60% of income as saving.

accumulate dollar - if you have faith in Bank CD (fixed deposit).
don't invest in Gold - prices will come down drastically - at least it will lose about 25% to 30% in an year.

if you have risk apitite, in vest in stock - for stock market singapore is the best place.

give last priority for Mutual Funds - because of it size - they cannot afford to give better return.

Try http://www.goldenbullstocks.com

what are bank rates in Singapore?
I wonder because I get 15% apr from my banc account (not in USA, of course)

You can open an free Marketiva forex \gold\fund\indexs online trading account , with $5 reward and $20000 virtrual fund for practice .Just click the following link to open an account.
http://www-forex.spaces.live.com

INvest in Mutual Funds: These funds are a type of security that can be traded on the stock market, allowing shareholders to buy and sell shares in the funds. The revenue generated by purchase of shares is used by mutual fund manager to buy more shares of specific stocks, bonds, and other market securities and money market instruments.

Since the prices of the stocks, bonds, and other securities held by the mutual fund vary, the value of the fund changes. The average value of every share of the mutual fund is fixed daily based on the total value of the underlying securities held by the fund.

This involves the shareholders of a mutual fund directly with their investment as against those who just buy individual securities and observe as the prices fluctuate.
http://debts-to-wealth.com/category/Guid...