Basically at your age, go for low risk instrument unless you are trader with some proper lessons and much research only go into stock market.

Since you have put 1/2 to bank FD and UT or maybe EPF? Which I think capital guaranteed is something you are looking at.

Last get the will (for distribution) and Trust on financial arrangement in the event of CI/TPD/Coma.

Then do charity work or gardening/ reading/ drama to kill your time.

We are fortunate that No Estate Tax in Malaysia yet. As an estate planner, family trust is good where u transfer all the money and properties to a trustee company b4 pass on. But really for Ultra High Influence market to build the financial wall or some other financial problems.

When heavy rain, and u need to get down to open ur gate to park ur car then u know how important the auto gate is! I just fix one and so thankful recent rain season.

Is a need not want