In India We have a lot of people running around with Conflict of interest [They recommend you some product and they earn commission out of it ] . After all everyone has to earn bread and butter but problems come when they push us a high commissioned product and keep their interest before us. I tell you to avoid Relationship Managers (Especially bank). I have the same problem mentioned by you for post office guys. Highly unorganised and you need to again and again ask them for interest certificate , renewal. it s a pain in the digital world they have not evolved . Things have become so easy now a days in bank and mf front . We can go in this order or priority before you make any investment. Please give all nominations properly for all investments 1. Emergency (1 Year of Expenses in Easily accessible Fixed deposit) - Estimate Honestly how much Monthly Expenses and extrapolate it . See if your employer offers health insurance else increase the Health emergency amount to 10 -15 Lakhs
