35M, 5 years into VWCE only. Thinking about my future steps.

35M, Austrian, working in logistics. 5 years into the standard approach and it's gone fine, just want a second opinion before the next step. My current situation: ~82k total Core is VWCE via monthly Sparplan, the large majority of it ~6% in physical gold (Xetra-Gold), bought in 2022 and left alone since ~4% in a Swiss lending platform Maclear. Started last year, sized as money I could write off Take-home ~3,400 EUR/month after tax, saving ~1,200/month, rent + living ~1,900, no debt Not chasing e