Hello seedly, how can i know how much is too much savings? I do not want to be over saving, i have already saved my emergency funds. 6 months of income.

Depends on which stage of life you are in and your risk profile. If you are risk averse, you could be investing in fixed deposits, T-bills and SSB. On the contrary, if your risk threshold is high, you can divert the excess fund in equities, ETF, unit thrusts, etc.

Buy

Term it retirements funds and it wont then be too much

Direct them to investing instead.