I feel completely unconvinced about most investment products. Before investing in anything, my due diligence time and effort is rather high, so now I prefer bigger quantum. With bigger quantum, the due diligence is more worthwhile.

Q: in what asset classes do I feel comfortable investing 50k or more?

1. my own home, to avoid paying rent!
2. shops and other rental properties in good locations
3. U.S. stocks including index. I might invest 10k, but not 50k. Current income too low.

Based on personal experiences and family members’ experiences, I feel much safer with “real” assets.

4. short duration bonds

I invested over 100k in a U.S. high-yield bond fund but it didn’t perform well. I guess expRatio (1.36% now) is one factor.