Have I selected the right funds as a moderate risk taker

I am 41 years old. I have been investing since December 2016 in four funds viz. ICICI Pru Value Discovery Fund Regular (G), SBI Magnum Balanced Fund Regular (G), Franklin India High Growth Companies Direct (G) and BSL Equity Fund Direct (G) 2,500 per month in each fund. I own a house. I bought 100 grams gold through Sovereign Gold bonds. I have Jeevan anand life insurance policy for 2 lakhs. Another life insurance for 2 lakhs on my wife. In my PPF account there is a corpus of 4,60,000 and I save 50,000 in PPF every year. My salary is 60,000 per month. I am saving 25000-30000 in Sukanya Samruddi Yojana on my daughter's name. I have been paying Atal Pension Yojana 1310 for me and 630 for my wife every month, to get 5000 each as pension for month when we attain 60 years of age. We have a medical policy. I have 10 years investment horizon. I am an average risk taker. My aim is wealth creation. Is my fund selection good or do I have to make any necessary changes?