Could you touch on how you allocate funds to meet different investment goals?

Hi Shang! For short term goals, bond funds are most appropriate as they historically have provided the best yields and returns for short-term periods (1-3 years). Money market mutual funds are also rather liquid and safe which makes it a possible investment to meet short-term goals, although yields and returns are lesser than bond funds. For long-term goals, equity funds are best to build wealth.