What to invest with a million?

In my 40s, only looked into the markets at this age, tad late so would like some advice. What will you advise to invest in for a sum of about 700k? The rest are in other instruments.

Have some (not in this 700) in Fullerton cash fund which is earning disappointing interest now, and some in HYSA .

Should I put them in dbs and ocbc? And value average into CSPX? I have a very conservative mindset.