HDL normal, triglycerid normal, HDL normal, non-HDL normal but why Total cholesterol is low 3.61 mol/l? What are risks for health?

None. All laboratory results need to be interpreted in the clinical context and the doctor who ordered the tests is usually in the best position to do that. Having said that, your total cholesterol is okay. For good health - Have a diet rich in fresh vegetables, fruits, whole grains, low fat milk and milk products, nuts, beans, legumes, lentils and small amounts of lean meats. Avoid saturated fats. Exercise at least 150 minutes/week and increase the intensity of exercise gradually. Do not use tobacco or alcohol in any form. Practice safe sex.
How are your genes. Every thing is normal , you health is depends on your genetic inheritance for which you have no control. At 29 you just don't worry maintain healthy life style ear right , and don't abuse your body , you will be fine.