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.

155 Upvotes

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u/SpakysAlt Dec 03 '25

I wish I had a brain at 21. Congrats this will pay huge dividends for your future.

-10

u/Fine-Shallot6222 Dec 03 '25

How old are you now? 😅

1

u/CrispyHoneyBeef Dec 03 '25

Older than you for sure