Oops was distracted by the debate above. Actually was looking at this thread for some savings advice, as I'm feeling a bit lost on my investment journey.

Combined for husband and i (late 20s)

House - 600K ++ (think still havent paid off 300k ) But renting out!
Savings - 370k
Stocks, bonds, gold etc - 118k
Cpf - not sure, think about 100k combined (but anyway it is used to pay down house loan)

Cashflow: Every month we add combined total of 13.9k (savings) + 2.7k (rental income) into our savings). Means 16.6k of fresh cash savings each month.
Dividends - Im not sure how much comes in each month.


Anyway, given our age profile and cashflow, are we too conservative in our cash allocation? Should we perhaps allocate more to stocks? (For context, we contribute $600 monthly to a sharebuilding scheme). Is there a need for us to increase this amount?

I have also been reluctant to increase stock allocations and we are planning for a family and I am totally unsure how much money to raise a family. (Any advice on how much it costs as well?)

Thanks!