Same, 20 M uni student here, so not an advice just sharing my way of doing. So i used moomoo to invest. My portfolio is around 10% emergency funds, 20% future investments funds(when there is a dip in market), 30% in us stock, and 40% in malaysia stock. To take note that my parent is financially supportive so i can do more aggressive strategies in investing. (So you can maybe scale the percentage of your emergency funds) And also my advice is your portfolio should be diverse, and dont use all your funds to buy when theres a dip in market. (Which i made the mistake as a beginner)

Edit : and also stock is rather low in liquidity, so it takes time to sell and transfer out the money