I'm posting to follow this thread, as I'm in a similar boat to the OP. Exclusively in VTSAX, which I had thought I recalled having more of an international component until MDM corrected me on that in another thread just this morning. Also considering VTIAX for this purpose and curious to see what others' thoughts on the matter may be.
Interest Compound, I see you've linked to the VTWSX page - how do you feel about this fund vs. VTIAX and/or VIHAX?
A 90/10 split is defensible, plenty of people around here make the case for being 100% stock but not everyone cares to be that aggressive. (I do, FWIW, 100% stocks here)
VTWSX is the total world market. This includes the US market. VTIAX is the total world market, excluding the US market. VIHAX is International High Dividend Yield.
Here are the fees:
VTWSX total world market - 0.25%
VTIAX total world market excluding US - 0.12%
VIHAX total world market excluding US High Dividend Yield - 0.30%
VTWSX is only suitable if it's your only stock holding. If you can put all your stocks in this fund (which probably isn't possible since it's not available in your 401k), this is a fine option. It's the easiest way to own the full cap-weighted world stock market. If you go this route, I'd actually recommend the ETF version:
VT total world market (ETF) - 0.14%
https://personal.vanguard.com/us/funds/snapshot?FundId=3141&FundIntExt=INTVTIAX is what most people use with a standard
3 fund portfolio. It has lower fees, especially when combined with a USA fund with a 0.05% expense ratio, and allows you to balance your portfolio considering you probably don't have any good international options in your 401k.
VIHAX should not be considered. It has high fees, and reaching for dividend yield is a common investing fallacy. This has been discussed a lot on these forums. Don't fall for it.