# Heads up - what to do in the future, my current position, advice needed

**URL:** <https://forum.mustachianpost.com/t/heads-up-what-to-do-in-the-future-my-current-position-advice-needed/10314>\
**Category:** Share your story\
**Created:** [May 17, 2023, 12:46pm UTC](https://forum.mustachianpost.com/t/heads-up-what-to-do-in-the-future-my-current-position-advice-needed/10314 "2023-05-17T12:46:31Z")\
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**Author:** ![FunnyDjo](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/funnydjo/32/3216_2.png) [@FunnyDjo](https://forum.mustachianpost.com/u/FunnyDjo)\
**Post date:** [May 18, 2023, 6:07am UTC](https://forum.mustachianpost.com/t/heads-up-what-to-do-in-the-future-my-current-position-advice-needed/10314/4 "2023-05-18T06:07:39Z")

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A slight tax optimisation for later will be to open up to 4 extra pillar 3a with viac to generate an equal size of investment in the 5 accounts at retirement age. You will be able to close 1 by year before retiring and lowering tax.  
You should stop contributing to your actual 3a until the 4 other reach the same amount.

For the 98kchf cash, you could slightly change your risk aversion strategy by defining an [Investor Policy Statement](https://thepoorswiss.com/my-investor-policy-statement-you-need-one-too/).  
Especially the target allocation and focusing on rebalancing it.

I feel you as I am still fighting it but defining one help me through the years. I am following it yearly in [my portfolio](https://forum.mustachianpost.com/t/funnydjo-presentation/6127/5).

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