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Pay off a loan with a return or invest? (Investments, ETFs)

Hello,

I’m 20 years old and have read extensively about ETF savings plans and the stock market in general over the past 2 months.

  1. Request:

I plan to invest €20,000 as a one-time investment next month and €1,000 per month for the next 20-30 years.

The 2 ETFs I chose would be MSCI World and MSCI Emerging Markets (70/30). or would you recommend the 2 ETFs for small investments?

2 question:

what do you think about the breakdown of the world index into north america, europe, emerging countries and the pacific. As the European region is underweight in major indices. Divided as follows:

35% North America (MSCI North America), 25% Europe (STOXX Europe 600), 10% Asia Pacific (MSCI Pacific) and 30% (MSCI Emerging Markets).

Which of the two variants is better?

Thank you in advance for your answers

LG A.

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