Investment strategy

Hi guys, I am 23, and I've gotten my first salary and I want to start investing in mutual funds.

Risk Appetite: Moderate

Time horizon: 4 years. I would like for it to be longer but I might end up going for a masters abroad and hence I might need to take the money out.

I've gone through the guides in the subreddit but I want some further advice on which MFs to invest in.

1. Do I invest in AMCs or can I use apps like Groww? I know there's certain expense ratio advantages with using AMCs but I've also been told that there's guidance and flexibility that comes with apps like Groww.

2. Which app would you recommend? Does groww offer Direct plans?

3. Let's say I have around 5.5L that I want to invest in. I plan on investing 2L in liquid funds (50k each) as an emergency fund. I already have some small amount set aside apart from this 5.5L in my savings account too.

4. Do I invest this 50k each in one shot as a lump sum in each of these liquid funds? Or over time, around 5k in each of the four over 5 months so 20k a month.

5. Now for a moderate investor, what mix to I invest in equity, debt, gold? (50:25:25)?

6. What are some good mutual funds to invest in? I know this is a broad question.

Nippon small/ mid cap

Parag parikh flexi cap

Quant small cap

Motilal Oswal mid cap

Bandhan/ navi nifty 50

I will be investing 90k per month into MFs and 3.3L as a lump sum right now. Any suggestions on breakdowns or advice would help a lot. Thanks!