rm85k in FD at age 30, good. i think u already  spending wisely too.
how much ur monthly instalment will be? still got 1 yr to start the paymnt.
My monthly instalment will be RM2,700.

ur other commitmends?
No other commitment.

any plan to buy own car?
Yes.

saving acc shud hv ur monthly expenses X 6. can be increase to time to time if ur monthly expenses increase.
any insurance?

any plan for ur marriege?, i think no prblem for u since already hv sufficiant amnt in FD.
No plan yet in the coming two years.

at last how much u can safe montly.
I spend only RM1,000 per month, so monthly, I save RM5,000. I stay in KL though.

spilt it by 40% in FD and 60% in unit trust. or 30%/70% since u still young.  or other saving/investment as u wish.
Never invest in unit trust. I am think of investing in another property next year. Heard that next year property price drop, so I reserve cash now.

make user u very well undrstand abt investment and also the involve riskk too.


just my 2 cents.

I don't agree on that, unless you have VERY BAD job security. It's a waste to have 6 mths worth of expenses sitting there earning nothing, I'd suggest put in FD or money market funds instead.

can split the 15k into 3 FD, 1 month tenure with maturity +-10 days apart from each other. You are sort of covered just in case you need the fund urgently with money earning some interest.

this is what im doing