Without giving specific advice, here are some things to keep in mind: - the same principles apply regardless of the market, you can just pick European equity o

Without giving specific advice, here are some things to keep in mind: - the same principles apply regardless of the market, you can just pick European equity or bond funds and add them to your portfolio (as long as they're available on your investing platform) - you don't have to limit your portfolio to US and/or Europe, you can invest internationally - historically the European markets have performed worse than the US. That won't necessarily continue in the future but keep in mind that you're making a similar assumption (that the future will be similar to the past) when you expect a 6-7% return from American funds. - many of the the big US companies are international anyway - for example when you buy Apple stock, even though you're investing in an American company, you're betting on Apple's performance everywhere in the world including in Europe - investing in companies that are traded in a different currency adds another moving part to the machine; you can be hurt or benefit from the movement of the exchange rates in addition to the stock/bond price fluctuations