First of all, very good financial situation at your age. Maybe your girl friends should talk to you more often about money matters they could only benefit
Even though you can get a lot of good ideas here, I would really recommend to have a discussion with financial advisor. Please find one who is not working on commission basis but only on „advise only“ basis. I believe they are called Fiduciary but since you are a lawyer, you would know better. As I see the key thing to look at is the asset allocation and this can be useful money spent one time.
Some ideas from my side
- can see that your asset allocation is more heavy on Cash, Fixed income & pension. It’s understandable. But this might be an area to look into. To see if you are able to increase your equity allocation and if it matches your risk tolerance. However please think about it very carefully as this is very individual for everyone.
- In addition, if we just look at your equity portion , you are quite exposed to Swiss stocks. Approx 45% of your equity is linked to Switzerland. Perhaps something to consider to reduce to 25-30% and diversify internationally
- Individual stocks -: not sure why you have individual stocks in IBKR, unless you are good in stock picking, I think you should try to use broad market index funds
P.S -: I see you are using VWRL. Now you have more UCITS ETfs to choose from on top of VWRL. Read more here