Exchange Traded Funds (ETF) are modern financial instruments allowing the purchase of an entire base of the selected stock index in a single transaction. You can select investments according to indexes (STOXX50, Dow Jones, NASDAQ), economy segments (semiconductors, pharmaceuticals, telecommunications, car manufacturers, etc.), and last but not least, based on geographical areas (Asia, Europe, Emerging Markets, etc). In the form of a standard buy/sell operation on foreign stock exchanges, you can thus diversify your investments quickly, simply and inexpensively, or move them between individual countries or even between whole regions. As Exchange Traded Funds closely copy the existing and publicly available indices, the risk of a lack of transparency and unpredictability is eliminated. So your only worry is the correct assessment of the future development of the markets...