Austrian resident - in search of suggestions on first Boglehead-portfolio plans

I’m so joyful to have discovered this neighborhood. The quantity and high quality of knowledge is spectacular, in addition to how generously persons are sharing their information and expertise. Thanks for that.
I’ve been researching on the positioning for some time now, and now its time for my first put up in search of your suggestions on my funding plans.

Fundamental info
– Nation of residence: Austria (Hungarian citizen)
– Worldwide life-style: I moved to Austria 2 years in the past and plan to remain on the long term.
– Age: 41
– Desired asset allocation: as I’m a brand new investor, with mid five-figures to speculate, I used to be pondering of a 70% fairness 30% bond asset allocation for the subsequent 7-10 years or so, to speed up a bit my wealth accumulation. Then do 60% inventory/40% bond allocation until age 60, the place I’d change to 50/50.
– I’ve no house bias.

Further info
– Foreign money: EUR
– annual gross revenue: low 6 figures (incl 13+14 months + 15% bonus each year)
– Emergency fund: presently 10k and constructing
– Debt: none
– Mounted prices: 60% of month-to-month revenue
– State pension: I will probably be eligible for state pension from Hungary and Austria (if I keep right here for 15 years) as I perceive

Present investments (in HUF)
This “portfolio” was not put collectively very consciously once I began to save cash systematically, 11 years in the past, undoubtedly not in response to the Boglehead ideas. Nevertheless I now plan to remodel this into a correct low-cost and easy portfolio. Percentages present the proportion of all my financial savings collectively.

Retirement financial savings accounts :
1. 41% – “Personal” retirement financial savings account (OTP Hungary) – progress portfolio (TER: 1.28%) – tax free if saved till age of pension (65).
– I plan to maintain this account as the federal government makes it so difficult to shut it (a number of years process and taxes), that its not definitely worth the effort. With minimal contribution however with progress portfolio, it would hopefully develop over time.
2. 24% – Metlife Personal pension plans (Hungary, TER: 2.5%-5.5% relying on contract size)

Insurance coverage funding accounts:
3. 25% – Metlife Life insurances (Hungary, TER: 2.5-9.5% relying on contract size)
4. 10% – Union Life insurance coverage (Hungary, TER: 3.5%-6.5% relying on contract size)

Future investments
Now that I perceive higher the significance of getting a low value, easy portfolio, Im planning to shut my Metlife and Union contracts, and switch the cash to low value fairness and bond funds.
I made a decision to make use of Flatex platform.
I plan to speculate:
– 24% from my month-to-month revenue, plus yearly 50% (minimal) from my annual bonus.

Fairness:
70% – SPDR MSCI ACWI IMI UCITs ETF USD unhedged Acc.
OR – iShares Core MSCI World UCITs ETF USD Acc.
These appear to supply the bottom value accessible in Austria masking your entire market kind of.

Bond:
30% – Trackers World Authorities Bond UCITS ETF 50C
OR – iShares Core World Combination Bond ETF

Questions:
1. What’s the finest place to maintain an emergency fund in Austria?
1. I used to be searching for some HYSA, nonetheless it’s arduous to discover a good one. The banks supply actually low rates of interest. The best choice I fund was Commerce Republic with 3.75%, nonetheless insured to 100k, I suppose the draw back is that I’ve to care for taxes for this. I need to preserve it simple to entry, nonetheless a bit separate from the remainder of my financial savings. I’d recognize recommendations on this.
2. Does the 70/30 asset allocation sound like a good suggestion at my age, provided that I nonetheless have to accumulate wealth for a strong basis?
3. Do these funds sound good to start out with, or would you suggest making it extra diversified inside every asset class?
1. Im pondering of dividing the the Fairness investments into
– 50% SPDR MSCI ACWI IMI UCITs ETF USD unhedged Acc. OR iShares Core MSCI World UCITs ETF USD Acc.
– 50% iShares Core S&P 500 UCITS ETF (Acc) OR Vanguard S&P 500 UCITS ETF
4. For bonds the record of accessible low value funds appear to be a bit restricted in Austria. Would you suggest some other funds?
5. Undecided if its the appropriate discussion board to ask, however can anybody suggest a Steuerberater in Austria?

Thanks upfront for any suggestions, observations, recommendation.