Pls help evaluate my MF

I have bought physical gold

You can add a few multicap strategies into the mix that invest in gold as well. Any mf with a 5 year + horizon should do good for you

50/50 Nifty 50 / 500 Navi index fund

Not bad. Debt + Index Fund is honestly a sustainable long term strategy.

Plus, no need to hurt your head with any pain of loss.