21M | Building my portfolio (₹30k SIP/month) - Need advice on fund selection

Hi everyone,
I’m 21 years old and just starting my investment journey. I can invest ₹30,000/month through SIPs.

This is long-term investing (10+ years), but I may withdraw some money in 3–5 years for a major purchase (car, MBA, etc.)

Option 1: Passive India + US
₹9k – UTI Nifty 50 Index
₹4.5k – Nifty Next 50 / Nifty Midcap 150 Index
₹5k – VOO
₹2.5k – QQQM
₹3k – Gold ETF
₹6k – Liquid Fund

Option 2: India Only
₹12k – Parag Parikh Flexi Cap
₹8k – UTI Nifty 50 Index
₹4k – Nifty Midcap 150 Index
₹3k – Gold ETF
₹3k – Liquid Fund
My concern here is the overlap between Parag Parikh Flexi Cap and the Nifty 50.

Option 3: Keep It Really Simple
₹21k – Parag Parikh Flexi Cap
₹3k – Gold ETF
₹6k – Liquid Fund

Would you invest in US equities today given current valuations, or stick to India?

If you were 21 with a ₹30k/month SIP, what would your portfolio look like?

Note - Any advice would be very helpful please.