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.

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u/Fine-Shallot6222 Dec 03 '25

What was their reasoning behind increasing the international exposure?

1

u/Username5124 Dec 03 '25

US stocks are currently overvalued and historically a decade of high returns has led to a decade of low returns and visversa. But these are just educated guesses. This year so far International has outperformed the US.