I have invested $20k into stocks (40%), Roboadvisors,(5%),Endowment (35%),ILP (20%), with savings of $5k. My Investment:Savings ratio is 4:1. Am I doing it right and safe?

Hi Anon good work so far!

Just make sure you're adequately insured as well and you have an emergency fund.

But just to highlight your path to financial independence, earning more income through employment or side hustles will be multiple folds faster than from investments.

So try doubling or tripling your income earned and hitting financial independence by 30 would be much easier.

Even if you earn 20% return on your 20k right now, that's only 4k. If you just add 1k/mth from side hustles it would be 3 X more than your investment return. So focus on that.

You are doing too save, too diversify is not good. You can find more about financial independence with keyword “FIRE”, Financial Independent Retire Early. Where u can get a formula to calculate how much u need to reach the goal.