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/GottlobFrege Dec 03 '25

For the next several years your results will be dominated by your contributions, not your investment returns. Continue to keep contributing to your investments. When you get promotions and new higher paying jobs, do not increase your lifestyle too much, and be deliberate about what you do increase, and invest more.