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Ideally, the size of this fund should be at least four to six times your recurring monthly expenses. [...]as factors such as number of dependents, marital status etc. also affect the quantum of your monthly expenses, make sure emergency fund's size proportionately changes with change in your monthly expenses. Ideally your term insurance cover should amount to at least 15 times your annual income. [...]this amount must keep on changing in accordance with a future rise in your income. Only then would you be able to choose the appropriate investment avenue that would provide sufficient returns to timely accumulate the desired corpus. [...]if you have already been investing, make sure each investment that you've made, is linked to a specific financial goal.