You have 5million and if you do not wish to stress too much... dump all in FD also can get 100k per year at 2% p.a. Can live comfortably without touching your principal already.

But if you want to do more about it, do self contribution to EPF, can contribute to SSPN, can invest in some lower risk UT to enhance your returns.

if you have a few millions and if you only put a portion of it in private placement, it will be very very unlikely you will face something that require you to spend a few millions immediately.