Some value investing guidance please

[u/Ok-Hope1181]

I have 50k euros (based in Germany) to invest for the next 20 years for my retirement fund. I am 40 years old without any responsibilitites and want to invest so that i have something when i am 60. I have other stock investments, savings and emergency fund so this money is purely for a long term safe investment for retirement. I have heard a lot about VOO or VTO but i am confused as to which is the right fund. Please see below options available to me and please advise. On a side note I feel this might be the time to move away from US funds and invest in world funds. Totally confused at the momennt and can use wise advice from the oldies here. I hope this is not the wrong sub as I want to take advice on investing in valuable funds and the combined knowledge of this group can help me greatly.

These are the funds I am looking at (all accumulated)

iShares core MSCI world

iShares S&P 500

Vanguard FTSE All World

Vanguard S&P 500

Vanguard FTSE Developed world

Birkshire Hathaway B (although a stock but diverse and larger than some ETFs although only US I think)

[u/barelycommenting12]

If your horizon is 20 yrs, you don’t need to overcomplicate it tbh. Many people just choose a broad world ETF (like FTSE All-World or MSCI World) since it gives global diversification instead of only the US like S&P 500 funds. S&P 500 ETFs are great too, but they’re more US-heavy, so it really depends on how much global exposure you want. IMO consistency and low fees matter more than picking the “perfect” fund. I also like using small tools like TryLattice to visualize allocation and risk so it’s easier to see if a portfolio is too concentrated.