Hi everyone,
I'd like to get your opinions on my current PEA (French equity savings plan) allocation and my long-term investment strategy.
For context:
I'm 22 years old, still a student, and I invest with a very long-term perspective (15-20 years minimum).
I invest exclusively through ETFs and I use dollar-cost averaging (DCA) on a monthly basis.
Here is my current allocation in my French equity savings plan (PEA):
* AMUNDI PEA MSCI World ETF (DCAM): **38%**
* AMUNDI PEA MSCI Emerging Asia ESG ETF (PAASI): **14%**
* BNP Paribas S&P 500 ETF (ESD): **30%**
* BNP Paribas STOXX Europe 600 ETF (ETZ): **18%** So I only hold ETFs, no individual stocks at the moment.
I would like your feedback on several points:
* What do you think of this overall allocation?
* Do you think any ETFs are over- or underweighted?
* Would it be worthwhile to increase exposure to a particular region?
* Do you see any missing assets or asset classes in this allocation?
I'm considering adding a more sector-specific ETF, for example, one focused on armaments/defense, but I'm not sure if it's a good long-term strategy or if it would provide real diversification.
Another point:
Do you think it's better to remain 100% invested in ETFs, or to add some direct stock investments in the future?
Finally, an important point:
This post is intended for an international subreddit, and my French equity savings plan (PEA) limits me to European assets or eligible synthetic ETFs, such as the S&P 500 or the MSCI World that I currently hold.
Thank you in advance for your feedback and constructive criticism.