Hi PinkRobot,
Forums and public arenas are probably bad place to seek investment advice as good advice needs to be paid.
That said, if you are risk averse and have a limited budget you can try investing in Unit Trusts(UT). Unit trusts are basket of investments formed to manage a portfolio of stock exchange securities, either targeting a particular or broad sector, region, country etc in which small investors can buy units.
A good Unit Trust has lower volatility as it usually consist of 100+ different stocks in a portfolio. Even in a worst case scenario where one of the companies bought went belly up, the UT value will only go down by 1% given that the stock distribution is equal.
UT are also one of the most liquid investments as fund managers are mandated to buy back the UT at any dealing time at that given sell price, giving investors immense liquidity.
As an investor myself, most of my funds are in UTs rather than in the banks. I merely keep enough to service my expenses.
For you, if you want braindead super low volatility and you are ok with 3% ish average yearly returns over a period of time then:
UOB United SGD Fund Class A SGD Acc
Manulife SGD Income Fund
You will be able to see from the price movement and the chart a very consistent upward line with minimum downtrend.
These are usually the funds I personally use to "sit" my money as above.
In addition, should you want something that is relatively low volatility yet sexier, you can check out:
Fidelity Dividend Fund
Like the first fund, this is a highly rated fund in the industry earning a 5-Star Morning Star rating(the highest) in the financial world. This fund aims to invest in dividend yielding stocks who are market leaders in their field with rocksolid revenue and profits. Some of the companies invested includes Procter & Gamble, a giant in consumer stables; Johnson & Johnson, a giant in healthcare; Pfizer & GSK, both giants in the healthcare industry. Although this fund has returned a 10.7% over the past 1 year, it has returned a consistent 13.1% on average annually over the past 5 years. And most importantly for such a return, this funds remains comparatively of lower volatility. Making it a darling in the eyes of investors.
You can invest your monies through online portals such as fundsupermart.com.sg or work with a trusted financial adviser that uses iFast, Navigator, Philips platform that can execute trades for you and advise you when to in/out a particular UT at given times.