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International Investment Allocation

International Investment Allocation

10
1095toFi · · 5 replies

Looking to see what most people do with their international investment allocation. I am sure there are many that do not invest in International at all. For those that do.. Do you just invest in a total international ETF like VXUS or do you split it up between Developed VEA and Emerging Markets VWO tilting towards one or the other. I currently split mine with VEA and VWO but with essentially the same weighting as VXUS about 26ish% into EM and the remaining in Developed. For those intersted I have about 28% of my total portfolio in International. I am in VEA and VWO seperately as that was recommended to me by a previous Financial Advisor who I no longer work with. I am stuggling to see the advantage of keeping seperate except for some tax loss harvesting opportunities in a taxable account. I would likely leave my taxable account as is due to not wanting to take a capital gain hit, but for my Roth and IRA's should I consider consildating into VXUS only. Portfolio Visualizer has .1% difference in return if split between VEA and VWO. Does anyone have other international investment plans that would differ from the above?

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Replies (5)

PLoftPAC

PLoftPAC

1 year ago

I keep 10-15% in Vanguard Total International Index. I have done this for years, and I think in today's US political climate, it's even more poignant. I just set up both of my new grad daughters with 90% S&P Index (VOO equiv) and 10% total International in their respective plans as well.

Pat

Jarrett Sebo

Jarrett Sebo

1 year ago

0% international here. I’ve been debating whether that needs to change here lately.

UncleFrank

UncleFrank

1 year ago

Neither, because those large cap tilted funds are actually not very well diversified from large US companies, other than the US having a heavy tech sector weighting. Rather, they are largely just a currency speculation.

I use factor-tilted funds like AVDV and AVES for international value and IDMO and EMQQ for international growth/tech to get much better diversification from US large caps. But these are only small allocations anyway.

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