looking around, i realized i am quite small fry only comparing to others..... still have to find way to be wiser in terms of financial planning. as you can see, too much locked in FD for several reasons.

one, iam not quite sure how to use them for investment. i m very bad at investment.
secondly, i might be buying a new house or upgrade my house. maybe want to get married and buy a new car too....

so... i am so stuck.