I am a first-time investor. I have been sitting on cash for the past 3 years too concerned with what might happen if I was to start investing. Those days are past and I have now taken the decision to throw myself at the mercy of the markets. I am hoping to do so however with the help and guidance of the far more experienced individuals who would be good enough to offer their advice and insights. I am a South African, living in Singapore and as such a tax resident of this country.