Review 24M

I started investing in MF at 22. I have not done much research when allocating the funds. I am wiling to 40k-50k per month. Need some suggestions here

Portolio -

Parag Parikh flexi cap - previously 15k - Discontinued now
Nippon midcap 150 - 10k
Sbi guilt fund - previously 5k - Now 2k
Hdfc defence - 5k
Sbi gold - previously 10k - now 5k

Risk appetite - Moderate