Hello dear community,

I am brand new and have been investing since 01.08.24.

As you know, you get "advice" from all sides on the internet, and I'm pretty confused at the moment and don't know what to do.

And yes, I know you're supposed to do your own research, but I'm finding it a bit difficult at first as everything is new to me.

I've started saving monthly with savings plans:

- $IWDA (+0,99%) 350€

- $EIMI (+0,35%) 100€

-$LU0908500753 (-0,15%) 0 100€

- $IUIT (+1,5%) 200€

I would also like to invest €20,000 from my call money to get started.

Would you recommend a different start?

I had considered using the FTSE instead of the World and EM, but decided against it as I only want to weight the EM with 10%.

I have added the tech sector as I want to stay away from shares until my first €100,000.

I have included Europe so that I can reduce the weighting of the USA somewhat. I am currently at 65%.