Hi all, has been working for 5 years and need some advise.

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