Tips on Investing your funds towards Financial Freedom

Here's some tips that you may want to consider with regards to investing the money you've set aside towards achieving financial freedom.

1. Ensure that you have 6-12 months worth of expenses in terms of savings in either money market fund / savings / current account so that it is safe enough and easily available when you might need it. For funds put in money market fund. These money must be in a separate account that you will not touch unless in times of emergency. (Adjust the 6-12 months according to how much security you will want to have, with 6 months being the normal standard and 12 months being more secured / safer.)
   
2. Alternatively to step 1, you can also keep 3-9 months worth of income in terms of savings, provided that your income is at least 30-50% above your expenses. (Adjust this by the amount of security you need)
3. For the above savings, you will need to at least keep about 1 month worth of expenses at all times in cash just in case and put the rest of this fund in somewhere safe, yet easy to withdraw, such as money market fund, high interest savings account, fixed deposit account without premature withdrawal penalty, etc.
4. Invest 90% of the balance in investment instruments that you understand and will be holding for long term, such as undervalued stocks, good dividend yield stocks that has high upside potential, index equity mutual fund, or any trustworthy equity mutual fund, good investment grade property that gives your great rental income.
5. For the remaining 10%, you may invest in high risk / high return instruments, that gives you high potential gain but very high risk as well. This is the amount of money that you are ok to risk with, which means either you get a lot of return or you may lose everything, and you are fine with that idea. E.g. of such investments might be things like property options that you may want to flip, 99 years highly speculated property bought for high potential capital gains, bird nest investment, certain type of gold investment (e.g. genneva gold), land banking, and other types of alternative investment etc. But if you don't like the idea, you may consider putting 100% of the balanced after setting aside point 1, in instruments mentioned in point 2.