Hi, I am 24 and have 40k saved. Right now I have 32k in VWRA and 4k in ASB1 with the rest in maybank/tng go.
I earn 3.5k after deductions and I live with my parents so I don't have many commitments. Currently I contribute to groceries, some outside dinners and TV subscription. For myself I pay petrol, toll, car servicing and date nights. For this I allow myself 2k monthly, which I won't necessarily spend fully but any extra savings go towards wants and my hobbies.
So, each month I will save 1.5k and going forward, I want to maintain 90% VWRA through FSMone and 10% ASB1. Do you think this is okay? More to ASB? Is it worth self contributing more into EPF?
I do know I should have an emergency fund but I can rely on my parents for any sudden emergencies and I feel the money in these accounts are rather liquid to payback soon after.
Thanks in advance.