25F trying to structure my investments better – need advice

Hi everyone,

I’m a 25F earning around ₹1L/month in hand and looking for some guidance on how my investments should ideally look.

Currently I invest ₹23k/month in mutual funds (SIPs). I don’t have any rent or EMIs, so my expenses are relatively low.

Sometimes I give ₹40–50k to my family, and I also bought gold (and might continue doing so in the future).

I wanted to understand:

• What should an ideal investment vs savings split look like at my income and age?
• Is investing mainly in mutual funds enough, or should I diversify into other things as well?
• How much should I ideally keep as savings/emergency funds?

Would appreciate hearing how others structure their finances in a similar situation.

Thanks!