Looking for feedback on my SIP allocation and overall portfolio strategy

Age: 36
Monthly in-hand income: ₹3.5 lakh
Risk appetite: Moderate
Investment horizon: 10+ years

Current portfolio:
Real estate (land in a Tier-2 city): ~₹1 crore
PPF: ~₹25 lakh
Emergency fund (sweep-in FD, liquid fund, savings account used for expenses): ~₹8 lakh
Idle cash: ~$30,000 in a US savings account and ~₹10 lakh in an Indian savings account

My emergency fund, term insurance, and health insurance are already in place.

Historically, I’ve invested almost entirely in real estate and fixed-income products, so I’m relatively new to mutual funds and equity investing.

I recently started the following SIPs and plan to increase them significantly over time:

Parag Parikh Flexi Cap Direct Growth – ₹10,000/month
UTI Nifty 50 Index Fund Direct Growth – ₹10,000/month

Questions:

1. Are these two funds sufficient for long-term wealth creation, or am I missing any important diversification?
2. Given my age, goals, and moderate risk profile, should I add any debt allocation beyond my existing PPF holdings?
3. Does it make sense to allocate 5–10% of my portfolio to gold through ETFs or mutual funds?
4. Since a large part of my net worth is already concentrated in real estate, should I intentionally keep my mutual fund portfolio simple and equity-focused?
5. Would you deploy the ₹10 lakh idle cash immediately, invest it gradually through STP/SIP, or use a different approach?

US savings account question:

1. I also have approximately $30,000 sitting idle in a US savings account.
2. Would you invest it in the US or transfer it to India?
3. If investing in the US is preferable, what would be the simplest, low-maintenance approach for someone with no prior experience in US investing?
4. Would a broad-market index ETF strategy make sense, or is repatriating the money to India the better option?

Goals:
Children’s higher education (10–12 years away)
Long-term wealth creation
Retirement planning

I’m particularly interested in feedback on overall asset allocation rather than specific fund recommendations.
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