Part 5/10:
My retirement assets are spread across pension funds in two countries due to my work experiences in the UK and Switzerland. Notably, I have made it a priority to merge my pension funds to reduce fees, a crucial strategy since these funds will be invested for decades. My UK pension fund has returned 27% with a fee of just 0.35%, while my Swiss Pillar 3A, which incentivizes tax-smart investing, yielded a 38% return with a 0.39% fee. Both retirement accounts have performed remarkably well, reinforcing the importance of maintaining low fees over long-term investments.