Hi everyone, I’m starting a long-term investment plan using a DCA approach and I’d like your opinion.
I’m investing 150 euros per month, split between:
* 60 euros into VWCE (FTSE All-World ETF)
* 90 euros into CSPX (S&P 500 ETF)
This means about 40% in VWCE and 60% in CSPX. From what I understand:
* VWCE gives me global exposure, including US, Europe, Japan, and emerging markets.
* CSPX is 100% US, focused on large-cap growth companies.
Based on this allocation, roughly:
* \~84% of my portfolio is US stocks
* \~16% is the rest of the world
* \~28% of the portfolio is technology
* Top 10 companies represent about 22–24%
My goal is a long-term plan (\~20 years), aiming for solid returns while maintaining decent diversification. I’m aware this is quite US-heavy and tech-focused.
Do you think this is a reasonable plan, or would you adjust the allocation to improve diversification and reduce potential long-term risks?
Thanks in advance for any feedback.