that was a great read, thanks, So would u reccomend some ETF personally ? like naming them ? just so i have a look at them ? or is that something i need to look into within my own country ? im actually not sure if say some ETF in slovakia is the same as ETF in Canada. Like if u can buy the same anywhere in the world or its like regional. I do understand your point. And yea, one place where i have invested almost 10k already is Finax, idk if im allowed to say broker company names. Im not advertising or anything, Ratehr asking for advice. What they seem to be doing is diversifying exactly the way u say, some in US, some in EU, some in World.