Do I need to change my investment portfolio to meet all goals and save for retirement?

I am 32 years of age and get net salary of ₹99,000 per month. My monthly investments include ₹5,000 in NPS Tier-II, ₹10,000 in Aditya Birla SL Flexi Cap fund, ₹5,000 in Aditya Birla SL Banking & FS fund, ₹5,000 in Aditya Birla SL Small Cap fund, ₹10,000 in Aditya Birla Tax Saving 96 fund, ₹3,600 in employee provident fund, and ₹10,000 in FDR/Liquid fund. I have a;sp taken a ₹3 lakh health policy and term insurance cover for ₹1 crore As of today, my total investment includes ₹9 lakh in PPF, ₹2 lakh in NPS Tier-I, ₹1.5 lakh in NPS Tier-II, ₹2 lakh in EPF, 20 gm of gold bonds, valued at approximately ₹90,000, and mutual funds worth ₹6 lakh, gold ornaments worth ₹13 lakh and a small plot of land worth ₹4 lakh. We would suggest that you shift from ABSL tax saving 96 fund to Mirae tax saver fund, shift your SIPs & investment amount from ABSL flexi cap to Parag Parikh flexi cap fund and also shift SIPs & investments from ABSL Banking & FS fund and invest in UTI nifty index fund as the ABSL fund is a thematic fund & dependent on banking/financial services sector performance only. Assuming you have accounted for inflation in your goals and step-up your SIP every year by 6% and continue to contribute towards the PPF, NPS Tier 1 and tier 2 with a mix of Equity & corporate bond/government securities investments and the gold bond and liquid funds as planned, you should be in position to achieve your objectives.