Investing advice and portfolio review as a 21yo
I make roughly 30k currently (20 from an internship and 10 from parents) will jump to 55k in August once I get a FTO. Will try and start investing 10k in sip plus whatever I save into an emergency fund (5k per month Target) Here are my investments so far.
Started 5k in SIPs (asked for advice from Gemini I know that's kinda of dumb but yeah)
Most of these (roughly 1l, some of it roughly 30-40 my money, rest parents)
The gold was invested at the start of the gold rush last year so got a okay return on it. I don't plan on investing more in it for some while(2y atleast) this was majorly a one time investment
Goal is short term to buy a car long term to create wealth. I want to retire by 45.
Risk Appetite: For the next few years can afford to be a Little risky but after 27 28 want to moderate.
total noob what should I do next.
Horizon: 5 years for a car and then next 20 for retirement fund and wealth creation.
App used Groww since i started at 20 and it seemed simple to use