I have an Investment Policy Statement that I wrote about five years ago and have stuck to so far. It says to hold (age-5)% in bonds (IEAG) and the rest in stocks (VWRL). Once per year I check the balances and if the allocation has drifted more than 5% from those targets then I rebalance by selling some of the high one to buy the low one.
House, mortgage and Pillar 2 are not currently considered in these plans. It would be nice to make a revision that is more complete one day.
I am generally happy with this approach. I do feel like my risk tolerance would allow me to hold more stocks but I am happy to be a little conservative. I could be overestimating my risk tolerance since stocks have been performing so well since I started investing in index funds.