u/Relevant_Cap_6243

What do you guys actually think is gonna happen with ETFs in Europe?

US market is stacked with cheap, easy ETFs everywhere. EU still feels slower, more restricted, and kind of messy depending on where you are.

So straight up:

• Are ETFs in Europe going to catch up or nah?
• Do we ever get US-level access + low fees?
• Or is EU regulation always gonna keep it kinda behind?

I’m not asking for theory: I want real takes from people actually investing here. What’s your outlook?

Hey everyone,

I’m just getting started with investing and wanted to get some opinions.

I currently have around €150k saved and I’m planning to invest about €5k per month going forward.

My idea right now:

• Start with ~€25k into FTSE All-World (Acc)
• Then invest €5k/month

I’m considering either:

• 100% FTSE All-World or
• 70% FTSE All-World + 30% S&P 500

I’m a bit unsure because the market feels kind of “high” right now, so I’m wondering if it’s bad timing.

My goal is long-term investing (10–20 years), not trading.

Questions:

• Is FTSE All-World alone enough?
• Does adding S&P 500 make sense or is it redundant?
• Would you invest the lump sum all at once or spread it out?

Thanks!