Moving from a €10k/year Bank Mandate to a Self-Managed ETF Portfolio – Feedback on Allocation?

Hi all, I’m looking to move our family portfolio away from a discretionary bank mandate into a self-managed ETF portfolio. The main drivers are high costs (currently running above €10k annually) and underperformance from the active management. Our horizon is long-term wealth generation (even past retirement, as we will receive state pensions), with some optionality for future life events like the kids' university or housing. The EUR figures below are just for scale, but the percentages are the r