It could even be once a year (or all monthly contributions to the same account during the same year), especially when they have similar allocations as here. The tax thresholds at withdrawal aren’t that sensitive.
I’ve thought about it, it will be the last one with Finpension for 2025 in my case. I will thought a bit more during the next days until the first payment (25th January). Every input is worth consideration 
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Plan for next year:
Continue to make all new attributions 80% to equity ETFs and 20% cash (should look to find “high” interest savings account or look into bonds). I expect a similar savings amount as this year so will plan accordingly.
My global asset allocation (10k emergency fund, rest 80% equities (ETFs and individual shares), 20% cash) is pretty correct, but allocations within equities are pretty far from my target so I will use new contributions to rebalance to the target allocation which is:
29% US/Canada
23 % Europe
10% small caps developed countries
30% EM IMI
8 % Pacific (of which half Japan)
Allocation is ignoring 3rd pillar which is at the moment about 5% of total investments in equities.
I will max 3rd pillar in the beginning of January.
For more straightforward taxation, I will make contributions to smaller accumulating ETFs only once in January for the whole year and switch contributions to distributing ETFs for my larger ETFs that I want to contribute to regularly throughout the year.
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Just wondering how did you decide this allocation?I understand you are splitting the world in different way but what metric did you use?
GDP?
Also, I should work on my endowment effect / FOMO concerning my best performing individual shares, bought completely randomly at the time… Or just decide to keep all of them or sell half of them…
Individual shares make up 18% of my equities at the moment.
Yes, GDP at around 2019 when I started investing.
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May I ask how you implement this strategy? One ETF per ‘region’?
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@larix.aurea Yes exactly.
(So it’s GDP by region, allocation within the ETFs is the usual, per market capitalisation.)
I am behind on stocks according to my desired AA after a couple years of heavy RE investments. So I will pour anything I can save on stocks. In a way I hope in a crash so that the next few years before FIRE I can buy cheaper, but then a lot of my income will be company stocks vesting…
Likely a 2nd pillar buy-in before EOY to lower taxes. Unsure how much cash to keep on the side, probably something in the low tens of thousands.
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You might also question whether you want them to be all equal. After all, if you want to be able to withdraw a specific amount, you might need different sized pots to get the amount you need e.g. if you end up with 50, 50, 50, 50, 50 and you need 75, you will either need to take 50 or 100.
Had you built up pots 25, 50, 75, 50, 50 - you could get exactly 75.
In a perfect world, I wish I’d known better when I started investing my money in Pillar 3a funds. I probably would have opened 5 accounts in the same year and invested the maximum amount divided by 5 at the beginning of each year.
But that wasn’t the case, so I opted for the solution of opening one account per year until I had 5, and when all 5 were filled, I wondered if I simply didn’t rotate or if I invested the maximum amount divided over my 5 accounts.
Now, as indicated, I think I’ll fill the account with the least amount each year and try to effectively rotate my 5 accounts.
For example, for my girlfriend, she has 5 accounts open all at the same time and she invests the maximum amount each year by dividing it by 5. That makes 5 identical accounts.
To answer your question, my 5 accounts are practically all the same and I don’t need a specific amount for a future project (for now). But it is interesting to have this in mind, thank you!
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My tentative plan, pretty much the same as in the past years, with more or less discipline applied:
- Build up and maintain ~6 months expenses as EF (covering for 2 of us now)
- Invest into my 3rd pillar (Dev ex-US funds) on a quarterly basis
- Anything above that goes into the IBKR account and into one of the VTI/IEMG/BRK.B, depending where the %s sit against the target at the moment and how I feel
- Might sell off some of the “non-core” funds/stocks, to further clean up the portfolio
- Might trim the crypto portfolio a bit in case it pumps another 2x from where we are today
In addition to the above, for this year
- Identify what investment strategy makes the most sense for the 2 of us - now married and with my wife being self-employed (is it ultra-high 3rd pillar, another IBKR account, something else)
- Apply said strategy
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Wait, who are those respondents and how was the question asked? Only 20%-40% having expected US stocks to rise, consistently, since 1990 seems kinda odd given the stock market rises more often than it falls.
Edit: that’s probably not a global sentiment. Are the respondents a comittee made of Burry, Dalio and Roubini?
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I think an easy answer would be that even in the US a large % of the population doesn’t touch stocks with a ten foot pole.
I am also planning to exclude US investments from 3rd pillars in 2025.
How do you overbalance US investments in IBKR ? Do you just buy an extra SP500 etf and balance it at end of the year ?
For 2025, I am planning to invest in first:
- in 3rd pillar first
- Invest 10% of my net salary in the company share with 0% interest and -20% discount (vested for 5 years)
- invest the rest into VT usually 4k by month
- Buy a 2 bedrooms rental flat in France for diversification
- Reduce the French stock picking allocation that underperformed last year from 15% to 10%
Hopefully my wife will find a job again has her allowance will stop in August 
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2025 should be less expensive than 2024, which was marked by significant expenses (wedding, honeymoon, and numerous invitations). My salary has already improved compared to last year. However, due to the many costs incurred this year, I wasn’t able to save as much as I wanted. That’s why I hope 2025 will be more fruitful. I have set the following goals for myself:
- Maximize my contributions to the 3rd pillar.
- Rebuild my emergency fund to reach 10´000 CHF (currently at 3´000 CHF).
- Build a cash fund of 15´000 CHF in preparation for buying a new car.
- Invest 95% of the remaining savings in VT.
- Allocate 5% to investments in BTC.
I also want to quit social media (Instagram and Facebook) to focus on what truly matters and avoid wasting time on trivial distractions. This will help me manage my dopamine better and improve my focus.
Additionally, I aim to write more regularly (thoughts, ideas, or important topics) to structure my thinking and improve my writing skills.
Lastly, I plan to read one book per month to further develop myself.
I’m posting this here to review my progress in one year.
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In 2025 we will start paying for two kitas (5 days a week ) and with whatever is left towards end of the year, just cover the 3rd pillars and a little VT (I do expect a correction in 2025).
I believe the mag 7 are hugely overpriced so if I would not be paying the kitas I would mostly buy bonds, small caps & ex-US equity.
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I feel your pain . Similar story here…
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- VWRL
- VIAC Global 100
- IBIT/BTC
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