Help with investment and wealth growth. I am 30 year old with medium risk appetite (ok to lose money in short run but not long run)

1. May I know how are you guys growing your wealth and what’s your ROI? I’m currently doing it alone by buying ETF & UT via POEM by Philip, 2-4% ROI (kind of shitty)

2. Any recommendations for better ETF app? I heard DBS is not bad? POEM is quite hard to use, always 1 day lag. Hard to see how much I need to pay and they don’t really give reminder either. Not serviced by any Philip advisors (should I expect to have advisor?)

3. Any recommendation for good banker who can help manage <$100k portfolio? Want to seek professional finance help (Eg banker, not Insurance agent) but I don’t want to take advice from fresh grad w/o real investment experience and wealth banking needs $350k

Here are what netizens think:

Better learn on your own how to invest your own money. U think people really will have your best interest at heart investing with your money? I currently trade options and practically learn it via YouTube. Will not advise you to do the same unless you are deeply passionate and believe in it.

Ssb or certain FDs are near to 3 percent alrdy. Time ur expenses and saving up is my personal advice. If you find and know an opportunity then u can seize it then and there.

30 years old still dunno how to invest? If I am you, I would have go dig a hole and dump my head in for 7 days.

I invest in real estates in Australia. Typical return on equity around 10-15% (80% loan) excluding capital gain, which ranges from 40-60% for each property from past year alone due to Covid.