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REDDIT

Need diversification advice

M
Aug 13, 2026 · 13:39

Hello, I'm a 22 yo guy from central Europe who's trying to spare money for the future/pension. I currently put around 800€ aside per month and I'm dividing it like this: 50% to savings account (to have some immediate money ready when something happens), 30% S&P 500 (Acc) and 20% FTSE All-World (Acc).

I know the All-World one includes basically whole S&P so I want to either sell it and put all in S&P or find some other ETF/IDX, which helps me diversify the 50% I'm putting in the trading.

What would you recommend in general?