Hi all, has been working for 5 years and need some advise and I am Chinese

Has been checking some topics in this section for few weeks and saw there is many people giving advise to people who like me not sure
about investment & saving.

Every months I will hav roughly 1.2K for Saving after deduction on my (Insurance/Car loan/Bill/Monthly spending) and having 25K saving now in Bank.
I do not have any FD or Investment in property, stock etc. But i really want to start now and seek for some advise.

So would like to check with Sifus here, understand that the money in normal Saving account % interested is low so is it better to keep it in FD?

As for investment, what is your advise for the newbie like me?

PS : can't afford high risk investment at the moment.

Thanks in advance 

Actually i am looking for long term and would like to have flexibility in my investment.
You have any good suggestion?