Help making my financial setup more mustachian

[Dr.PI]

@gokul_uf

3a: Both of use VIAC. In particular, we use the 60% Equity global strategy and max out our contributions at the beginning of every year to maximize time in market.

Treat all your assets including 2nd pillars as one portfolio. With 3rd pillar money being blocked for long time, it makes sense to allocate them to stocks. And yes, finpension is better.

Splitting the world

An N+1st attempt to summarize information helping to optimize taxes arising from investments with ETFs. Some preliminary comments: I am going to mostly refer to MSCI indices. Their definition/composition can be found at msci.com (search for pdf factsheets). MSCI ACWI is all-countries index: 50 countries, 23 Developed Markets, 27 Emerging Markets. An up to date country weights can be found at ACWI | SPYY : SPDR® MSCI ACWI UCITS ETF (see Holdings → Geographical Weights).