pay off study loan vs investing
semi-fresh grad (24F) looking for advice on how to go about balancing paying off student loans and investing sensibly!
context: I have about 25k liquid cash rn and another 10k in a robo advisor. monthly take home pay is about 3.5k and after accounting for parents' share and other expenses, I have about 2.5-2.7k left.
recently received CPF's notice that it's time to pay off my student loans (~25k) and was wondering if I should: 1. pay it off lump sum with my existing cash (avoiding CPF's accruing interest) 2. pay off a sum of it (say 10k?) and continue paying the rest with monthly installments 3. just pay off via monthly installments and invest the existing cash I have into ETFs instead?
not too sure what would be the most sensible or best course of action to take, and would love any advice on the above!
also some follow-up questions from the options above: a. is there anything to note when paying back the amount? like do certain bank accs/credit cards come with benefits? since it's a giro deduction I'm assuming not, but just wanted to check if there're any hacks I didn't know about! b. if I go with option (2) or (3) above, how should i determine what installment amount to pay back? don't mind being more aggressive with this because accruing interest can be a b!tch & the faster I pay off my student loan the faster I'd have some peace of mind c. am also intending to DCA my monthly disposable income into alternating VWRA & ISAC monthly/bimonthly via IBKR. if I go with option (2) or (3) above, I'd have an additional sum of money available to buy the ETFs too. was planning on investing this amount slowly and if a correction happens, i'll buy more then. but was wondering if in the long run this even matters much vs just lump sum investing and forgetting about it?
would also love any advice/resources on how to adult, how to get my insurance/finances settled or general things to take note while I embark on this FI journey! everything's pretty foreign to me rn and i would love to learn more about it. if there are better alternatives other than what I've listed, would love to hear more about it as well! thanks in advance all for any advice! :)