u/Emotional-Put1480

Hello,

Here’s a clearer and more polished version of your questions:

1. I’m nearly 40 years old and have only recently started investing in ETFs. Is it too late to start?
2. I’m currently investing in SPDR MSCI Worldand some thematic ETFs through MeDirect. Are there any other ETFs or investment options I should consider? Both are accumulating.