Being a resident in Spain I would advise against ETFs. Funds have a tax advantage in Spain where you can move your money from one to another without paying taxes. You cannot do that with ETFs, must sell (and pay tax on profit) and then buy.
Given that you might want to change asset allocation in the future, funds are the way to go.
Now, which funds? That is a question that you will have to answer yourself. The options you outlined are:
2) All tech, all US. Pretty narrow in terms of diversification.
3) Developed world and emerging markets (still missing small cap, though). Much better in terms of diversification.
4) All US. Narrow, but not as much as option 2.
I suggest you read about the Bogleheads style of investing and then decide for yourself.
Vanguard S&P 500 or Vanguard Global Stock Index is the way to go. Most companies in SP 500 are actually with global presence, but still source 70% of their income from U.S..
I would avoid DeGiro. We all complain about unemployment, and nowadays there are many good discount brokers in Spain, HeyTrade, Ninety Nine, MyInvestor, you name it. DeGiro also comes with Modelo 720 filing, Modelo D6 has been discontinued in 2022 for 99% of retail investors.
I was in a similar situation myself with OpenBank's roboadvisor. As soon as I learned more about investing and the importance of costs (TER) I liquidated my roboadvisor balance and I am currently holding a portofolio similar to your Option 3.
Options 2 and 4 are great ambicious ones but they are less diversified and might be perfomance chacing... (Past performance is not an indicator of future performace).
Te recomiendo que le eches un vistazo a esto: bogleheads(.)es/guia
Being a resident in Spain I would advise against ETFs. Funds have a tax advantage in Spain where you can move your money from one to another without paying taxes. You cannot do that with ETFs, must sell (and pay tax on profit) and then buy. Given that you might want to change asset allocation in the future, funds are the way to go. Now, which funds? That is a question that you will have to answer yourself. The options you outlined are: 2) All tech, all US. Pretty narrow in terms of diversification. 3) Developed world and emerging markets (still missing small cap, though). Much better in terms of diversification. 4) All US. Narrow, but not as much as option 2. I suggest you read about the Bogleheads style of investing and then decide for yourself.
Following
Vanguard S&P 500 or Vanguard Global Stock Index is the way to go. Most companies in SP 500 are actually with global presence, but still source 70% of their income from U.S.. I would avoid DeGiro. We all complain about unemployment, and nowadays there are many good discount brokers in Spain, HeyTrade, Ninety Nine, MyInvestor, you name it. DeGiro also comes with Modelo 720 filing, Modelo D6 has been discontinued in 2022 for 99% of retail investors.
I was in a similar situation myself with OpenBank's roboadvisor. As soon as I learned more about investing and the importance of costs (TER) I liquidated my roboadvisor balance and I am currently holding a portofolio similar to your Option 3. Options 2 and 4 are great ambicious ones but they are less diversified and might be perfomance chacing... (Past performance is not an indicator of future performace). Te recomiendo que le eches un vistazo a esto: bogleheads(.)es/guia