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@Finanzios
The "strategy" is not mature. The sense of individual savings plans is to be questioned. From my point of view, according to your monthly savings budget, I would save 700 € per month in the MSCI World and put 170 € in the overnight deposit account.
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@General_T_Regnery I prefer to set it up a bit more broadly. You would do without pension insurance completely? I wouldn't do that, for example, because a secure monthly pension is the main thing here. Also, when I look at your portfolio, I notice that you have about 8 etfs? Wouldn't it be smarter to just take a MSCI World?