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@eve_marie It’s recommended thinking to only invest in equities if your saving horizon is 5 years and above. As you need the money in 3 years it might be too short term, so recommended thinking would be to stick to cash saving accounts. If longer term then can invest in index fund trackers...

@bonnex OP be very careful using offerings by insurance companies for investments, many are riddled with high fees (many times your first 6-18 months of contributions only go towards the salesman’s commissions) and many of these types of structures are banned in the UK. Mostly sold by salesman...

@nhungthientai You can’t open a ISA if you are non-resident

@bonnex Try Interactive Brokers, Swissquote, Saxo Bank. You could also take a look at some of the banks in Singapore and see if they have execution only trading so you can hold tracker ETF’s and not their own expensive investments or funds