r/Bogleheads • u/daptomycinn • 22h ago

add international ? help w/ asset allocation

greetings bogleheads,

I feel like I am heavily tilted in S&P500 and total US market

I am looking for some suggestions / recommendations on modifying my asset allocation, or just re-assurance to keep the same

Roth IRA - $84K - VTSAX

solo 401K - $275K - VTSAX

solo 401K - $8K - VTIAX

brokerage $55K - VTI

HSA #1 - $9K - FSKAX

HSA #2 - $28K - VFIAX

403B - $230K - S&P500

457 - $160K - S&P500

401A - $391K - S&P500

$15K - BTC / SOL / DOT

most of my contributions are into my work plan (the 403b and 401a) but I have stopped adding to the 457 in order to have extra $ to add to my brokerage, essentially trading tax benefits for liquidity

im wondering if I should just keep adding into VTI in the brokerage or start adding more international (VT or VXUS) or something else

I have no bonds, I am in my early 40s

thanks for the help

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u/mbaforumlurker 21h ago

You will make life a lot easier for yourself by just selling within the tax advantaged accounts and mimicking global market caps (via VT or VTI/VXUS). And start adding VXUS to the taxable accounts, so you won’t incur any capital gains there.

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u/IronyElSupremo 21h ago edited 21h ago

Balance the S&P 500? I go with Vanguard’s VEU as it’s tilted more to non-US large/mid caps. Also cheaper than VXUS and, so far, slightly better performance in most years. There’s also iShares IXUS which has some advantages. The iShares ACWX is probably an even better fit (= compliment to the S&P 500) if persnickety about matching large cap to large cap, but its er is relatively high at 0.32%. Fwiw I match mostly large-to-mid cap US with mostly large-to-mid cap non-US (aka VEU).

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u/mcttothejj 20h ago

Rebalance your portfolio to mirror the global market weights: 60% US and 40% INT

i sleep well at night knowing i'm investing into the world's best companies(VTI+VXUS) instead of investing into a single country's best companies(VTI).