Hi, you need to have all these instruments according to your goals and time frame that you have to achieve them. Ideally, you can include PPF and NSC for your retirement goals. SIPs into Debt Funds/Balanced Funds may help you achieve your short term goals like marriage and other activities. For your retirement, I believe you will have about 20 years for which you can consider mix of diversified funds and small and midcap funds. Also, do not forget to create emergency funds.- Tejas Lakhani
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