Just an opinion, forummers, if possible,..... learn investments,... the world to moving to very low interest rates,....

Some countries have even touched negative interest rates.

The funds being discussed in this thread does not pertain to emergency funds only. Set aside emergency funds,.. then plan well for the rest to grow one's wealth.

Then your actions are right !

Yes,.. I would agree with you on your current situation. Hence, I always say - learn investments by starting as early as possible,...

Otherwise,... when age catches-up with us,... we will have to be satisfied with lower-return instruments in order to maintain safety. With today's low-yield environment everywhere in the world,... will lower-return instruments yield enough for our survival in our retirement years ?

Only we ourselves can answer this question. And as we continue to ponder this question : the FD real yields keep dropping.......

A larger nestegg will of course, return more in absolute sense, even at low yields,...

Signs of dropping rates,...