Just open a new account and stop depositing money into the one shared with your parents.

Closing it is the best option because if you just stop depositing into it, there is the chance they will overdraw it, which would impact you since your name is on it.

If they need money strictly offer it through venmo or cash app so that you have to approve it

I do about 60% total market, 10% real estate 10% international 10% international and 10% bonds. I have been adjusting the percentages though and have stopped contributing to bonds completely. I am in my mid 30s