actually it depends on ur own preference. but the main point is never listen to others. but to me vios is good enough. unless u'r driving an old rusty car..or viva..(viva is ok..but for family..not ok).
Investment is good..but no point keep investing until u reach 60-70 yrs old and a bit weak to enjoy it..(if u lives til tht age!)..so u need a good investment plan.