I am 25 years old and earn Rs 70,000 a month. I want to invest in equities. My near-term goals are to buy a car next year (Rs 6 lakh) and a flat in Bengaluru (Rs 30 lakh budget) in 2 years time. I give my retired parents Rs 10,000 a month but at least Rs 35,000 is available for investment. I already own property in my hometown, gifted by my parents. I have Gold ETFs worth about Rs 3 lakh, which I can sell this to buy the flat. I am not married and probably won’t be for another three years. No other investments as yet as I was repaying a bike and education loan with a considerably lower salary. What percentage of my investments should be for near-term and how much for long-term (retirement and insurance)?