Thanks for replying.

1. Although my average income I get from my partnership is average 4k, but I would like to prepare for the worst. Maybe I'm having a mid life crisis (getting old too) and everything paranoids me.

2. My minimum spending is 5.5K without any "disaster" hitting my family. Although all my family members are insured, but I personally see how medical bill can bite a chuck of your finance. Hence, I wish to increase or at least maintain my income to prepare for the worst. I know I set my expectation too high but I can't help to think of it. I also plan to have another child, but me losing my job is going to put this on hold.

3. Although my assets portfolio looks good, but I don't think its enough for me to grow with. I wish to grow this money so I can have enough for my retirement.

4. 90% cash on FD is just my current status as I sell a sizeable amount of shares before election. Still thinking carefully  where to invest it in so I just put it in FD temporary.  Thanks for the tip, I will have a look in it.

5. Does anyone tried any financial product in Hong Kong? I heard the returned is very good and consistent.

Thanks for the advice.