I am 24 yrs old currently earning roughly around 1.09 lakhs per month, I have around 1.4 lakhs in PF, 1 lakh in each stocks and mutual funds. Currently have SIP of 14k ( 2k in Parag Parikh flexi cap, 2k in Groww nifty total market, 2k in icici prudential nifty 50 index, 2k in dsp mukti assert allocation , 2k in sbi contra, 2k in Tata nifty mid cap 150 momentum 50 index, 2k in HDFC mid cap opportunity). I have a HL running with 16k emi and a gold scheme monthly deposit of 20k. Also an RD of 20k for savings and emergency funds FD of 2 lakhs. My monthly expenses are around 10-15k. Should I invest in NPS or not as I am not comfortable with blocking period . Also any suggestions related to MF or investment are welcomed.

Ans: It's impressive to see your proactive approach to financial planning at such a young age. With a healthy income and diverse investments, you're laying a strong foundation for your future. Your current SIPs reflect a balanced approach, diversifying across various market segments.

Regarding NPS, it's understandable that the lock-in period may not align with your comfort level. While NPS offers tax benefits and retirement planning advantages, it's essential to choose investment avenues that resonate with your financial goals and preferences.

Considering your financial situation and goals, a Certified Financial Planner can help streamline your investments and align them more closely with your aspirations. They can guide you on optimizing your portfolio, considering factors like risk tolerance, time horizon, and liquidity needs.

Remember, financial planning is a dynamic process. As you progress in your career and life, your goals and priorities may evolve. Regular reviews and adjustments to your investment strategy can help you stay on track. Keep up the good work, and best wishes for your financial journey ahead!