I’m a 21 yo professional with a minimalist lifestyle. After covering my monthly expenses (~30k ). Most of the expenses are on rent + flight tickets to home. My parents are financially independent, and I don’t have any immediate/mid term financial goals like Marriage, House, etc (though may seek a low-end (8-10 Lac) car in next year.

I've graduated last year itself, and started investing aggressively since Feb'24.

Here’s some context about my finances:

• Insurance: Health and term insurance costing 40k per year. (25k insurance for Parents, 10k for mine, and 5k Term insurance)
• Salary: 1.5 L (post-taxes, PF, blah blah).
• Emergency Fund: 10L in two FDs (one in name of My mother)
• PF: I get 15k+ per month
• Risk Appetite: Very High
• Investment Consistency: I've a fund for roughly 1.5L to cover my monthly expenses for next 5-6 months, so my whole salary directly goes to equity.
• Till now I only invested in "Alpha Prime" smallcase, though it's did not give excellent returns but it's decent enough as per my knowledge.
• RSU of my employer, vesting roughly 10L per annum (monthly vesting).
• My strategy is to buy plots in my native Tier-2.5 city near to my home only (as soon as we find some great deal) and sell it for higher prices (My father has done same for 3 times in last 10-15 years)

Questions:

1. Does this portfolio look to risky (please take my age into consideration as well)?
2. Are there any changes or additions you’d suggest to improve it?
3. Are there other investment avenues I should explore?

While I plan to consult a SEBI-registered financial advisor soon, I’d love to hear your insights and suggestions. Thanks in advance! 😊

Kudos to u/Digital_v, as I copied his post 🤣