Hey everyone!
I am 22 years old and have been wanting to start investing for more than a year now. I have spent all this time researching it, and I finally decided to start at the beginning of 2026, until the time to start came and all of a sudden I felt very insecure about doing it.
So, I am posting to ask for opinions, to make sure I am thinking the right way, or to highlight any wrongdoings.
I live in Europe; my currency is the euro. I have about €20k in savings, and about 3k i would be confortable to start investing, I'm on the last year of university, don't have a job and still live with my parents (altough i plan to get a job and move out once i finish university). The goal is to invest for 30-40 years.
I read a lot about an all world ETF, but i just don't think i want to do it. I think spreading the money across multiple ETF would be better to help me learn and understand the market, rather than sicking with just one and having no idea why it goes up or down (if that makes sense).
My plan was to do 60% S&P500, 30% Stoxx 600 and 10% Emerging Markets. It felt right because it seems diversified and somewhat safe. But now i just feel like i'm "replicating" all world ETF, and started to think i should just buy that, even though i don't want to for the reasons i stated before.
Is my plan good? Should i add or remove anything? Change the percenteges?
I'm just looking for some guidance and/or reassurance.
Thanks to everyone in advance!