I'm 31 and my wife's 29 this year. Appreciate if we can get some advice on whether our financial profile is decent and how it can be improved.

- Combined income of ~$210k/year.
- Owns a HDB (outstanding loan is ~$280k; and it's valued @ $510k)
- We both drive and both cars are paid up.
- Have about $260k of cash sitting in various banks (part of them is earning the OCBC 360 bonuses interests; some of them in time deposits giving a meagre 1.2% interest and the rest are just lying around depreciating)
- have about $50k worth of shares (earning about 5% dividends a year)
- we think we are adequately covered by insurance (total premiums of ~$24k/year in various savings plans; life plans; term plans and ILPs)
- anything in CPF OA that is investible has been invested in blue chips (earning 5% dividends as well); the rest of them are earning the CPF interest which is still higher than our HDB bank loan so we've decided not to pay off the loan yet.

We're thinking of buying some gold and also USD fixed deposits as we expect gold to appreciate over the long run and USD should be on the up trend in the next 1-2 years. We're also looking out for commercial properties (can only afford those which cost <$700k for now). Thanks and I look forward to hearing some good advices.