if you are risk adverse like me, you can park your money in ...

if you are risk adverse like me, you can park your money in cash plus which can generate 3-5% returns consistently (so far no negative return days since I'd invested)..

moomoo also offers RSP (Regular Saving Plan) so you can go slow and cultivate a habit of saving into your retirement pot regularly.. it works like GIRO so it's easy to setup.. if needed, you can also suspend your contributions temporally..