
Help a newbie build a portfolio
Risk appetite: Moderate
Age: 24
Goal: Long term (10-15 years)
Capital: 15k (will increase this every couple of years)
App: Grow
Current allocation: (SS attached) 1650 in SBI gold and 850 in Silver
Short term goals: Car in 3-4 years. Domestic trip once a year.
I have two questions. First, how to build a proper portfolio from here. Second, I want to put an additional 40k per month for the next 5-6 months to build an emergency fund. Where to put this money? I imagine just letting it sit in your bank account is not the optimal way.