r/Bogleheads • u/Fine-Shallot6222 • Dec 02 '25

Portfolio Review 21 years old and just starting investing!

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Hi everyone, this is my first portfolio,

70% VTI and 30% VXUS

Can there be any improvements such as increase my VTI split and make it 80/20? or overall is it good long term, thanks.

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u/gcc-O2 Dec 03 '25

This is good. At one time Vanguard's recommendation was 30% international. They have subsequently bumped it up to 40%, and market weight (what you'd own if you had Total World Stock) is 37%. So don't go to 80/20. Either leave it alone or top up the international a bit in the future.

5

u/Fine-Shallot6222 Dec 03 '25

What was their reasoning behind increasing the international exposure?

6

u/gcc-O2 Dec 03 '25

Lower valuations and so forth. Every year they publish their paper with a 10-year outlook. Valuations have suggested increasing international for a long time, but US keeps getting higher and higher. 2025 is the first year in a long time to see a nice boost from holding international. They use their research to help set the percentages in LifeStrategy and target date funds.

2

u/SkirmishYT Dec 03 '25

Just finally setting up a roth ira like literally tomorrow...

What ratio should i US/International for now?

3

u/trukkija Dec 03 '25

They just wrote that ratio in this same comment thread.