You are always taught you should be in the top 3. Right?

Here are the Top 3:
➊ : 200%
➋ : 13%
➌ : 10%
➍ PPF: 7%
➎ FD: 6%
➏ Savings Bank account: 2%

Why aren't you choosing the top 3 now?

People aren't poor, they just choose to stay poor.