My friend is late 30’s and starting to invest, is this basically correct…?

My friend is Japanese.

My understanding is sign up for a Rakuten (or SBI) securities account.

iDeCo, NISA, and S&P500 ETF (must do ETF's because this person is Japanese, but essentially the same thing?

Other than yen to dollar fluctuations, the S&P500 outperforms Japanese stock market by quite a bit right.

For a late 30's person, who intends to invest 15-25 years at least, is something like 20% in iDeCo, 20% in NISA, and 60% in S&P500 ETF not way off the mark?

And, I was surprised to see Rakuten securities doesn't have a brick and mortar to go to. Everything is online. It just feels weird because at least with banks you can go there, and you can talk to a physical person and get a physical receipt that they can see on their end. But to just send so much money online only seems off, I feel like maybe I'm missing something. Heck, somebody who gets a sca m securities website could be investing slowly for 15-20 years and never know until they go to take it out.

Thank you very much for any help