Yea currently have some amount of money saved up in fd.
just started working 2 years.
am holding some small amount of shares too.
Now venturing into UT.
not sure is the correct time or not.
Im not a high risk investor nor am i a play safe investor (all fd).
i prefer medium risks
For the equity part, you can pick those of high Sharpe Ratio, with broad and diversified exposure to various markets (US, Europe, China, etc.). Those of defensive nature such as REITs and dividend funds are good choices too
For UT investing, perseverance is very important. Buy systematically, and re-balance from time to time. Never fear a downturn, those are the time your purchase will bring greater future return