First of all, you have clearly thought it through and you know what you are doing. It all seems intentional.
Only two questions would be -:
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Would you be fine if after 20 years , your portfolio returns lower return versus one fund portfolio which only invests in VT in IBKR & “similar mix like inside” Finpension ?
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Are you aware that Truewealth is cheaper than Finpension at this moment?
If answers are yes, all looks good