[SINGAPORE] I recently asked a friend what his investing strategy was.

He thanked me for being so generous as to assume he had one.

Apart from putting 10 per cent of his salary into his company’s share plan, my friend doesn’t invest at all.

Another friend, meanwhile, holds most of his investments in tech stocks, hoping to earn big returns.

The contrast made me curious as to how other Singaporeans my age are investing.

So, I spoke to several investors in their 20s. Among those with an emergency fund and no major debt or financial commitments such as a mortgage, three broad investing styles emerged.

I then turned these into three hypothetical portfolios and asked two personal finance experts to rate them. Here are their responses, which…