Just started investing on FSM and in need of some advice. Are my ETFs enough for me to invest long term?

Yes, very, very good asset allocation into these 3 ETFs, super!

But You should Buy & Hold ultra-longterm.

Since You have already global asset allocation with VT,

maybe what You have now is really completely sufficient,

excellent idea to keep it as simple as possible.

The only thing that could be added, given China's soon

expected economy world leadership (GDP leader #1 before the U.S. soon),

is some kind of broad and succcessful China ETF. It is difficult to

say currently, which ETF this should be.

This could be

MCHI - iShares MSCI China ETF

PGJ

HKEX.3169 - Vanguard Total China Index ETF

HKEX.3073 - SPDR® FTSE Greater China ETF

HKEX.2823 - iShares FTSE A50 China Index ETF

HKEX.2828 - Hang Seng China Enterprises Index ETF

or more risky, but with more potential (tech/med focussed):

CQQQ - Invesco China Technology ETF

KURE - KraneShares MSCI All China Health Care Index ETF

see also this 10 year performance chart of those mentioned above:

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Great job in starting.

As VT is a world stock ETF, it has already covered the portion in VOO. 99.8% VOO exists in VT holding though at a smaller weightage in VT.

To me, I would look into other ETF available on their focus list such as those thematic ETFs or to explore other robo-advisors portfolio or to put in more money into VT instead.

It can be deducted from your bank directly, if I am not wrong it is called the CAT deduction. For myself, I do a scheduled FAST transfer one day before the 8th and do my own conversion on FSMOne.