Diversification

Hi all, Italian 28M living in Germany. After a couple years of work I finally decided to invest something for my future in etfs. Since i’m just approaching this field, I wanted to go safe and I preferred to go for geographical diversification over industrial field diversification. I was conflicted between two choices: - go for S&P as main and cover the rest with msci world ex-US + eventually Emerging Markets - go for Msci world + Emerging Markets I decided that the second one is “safer”, even if S&P has a really low cost with respect to the others, because I think the first choice is much more USA dependent, and even if historically it always went well, you never know. I am almost convinced to go for 80% msci world (swda) 15% msci em (EUNM) 5% nasdaq (qqq), just because I want a small shift in tech, I think this field will go well nonetheless What do you think about this, I’d like to hear opinions from people that have experience in investing.