consolidate Keyplan and VWCE?

Hi all,

About 6 years ago when I first started working, I opened up a Keyplan at Keytrade because it was easy and I have relatives working there who recommended I should start investing.

3 years ago I stumbled upon this subreddit and started investing in VWCE through Degiro because of this.

My current situation is as follows:

+- 20k in Keyplan with monthly DCA of €200

+- 15k in VWCE with monthtly DCA of €350

Both have been doing well, but I started reading into it a bit more and the ongoing TER of my keyplan being almost 2% makes me doubt it's still a good idea. On top of that, the higher TOB on VWCE since I started is also putting me off.

Now I've been thinking about 5 options

1. keep current situation

2. sell all VWCE and put it all in Keyplan

3. sell Keyplan and put it all in VWCE

4. keep both VWCE and Keyplan as it is but stop monthly DCA and start investing in WEBN / SWRD / IMIE

5. sell all positions and start investing in WEBN / SWRD / IMIE and monthly DCA of 550

I'm not a genius but have been trying to figure out what best. I know it would be a shame to pay TOB when selling it all, but imo in the grand scheme of things, the one time cost would not really impact my 20-30 year investment.

Any insides would be appreciated.