Author Topic: On VTSAX and VBTLX - need some international exposure?  (Read 775 times)

nyxst

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On VTSAX and VBTLX - need some international exposure?
« on: June 03, 2022, 05:30:45 AM »
I've always been happy with my simple AA of VTSAX (88%), VBTLX (10%), and I Bonds (2%) but now I am thinking I need some international or emerging markets exposure in my long-term plan. (I am probably 15 - 20 years from retirement.)
Vanguard has a lot of options for international exposure... Do any of you have a favorite fund that covers that need? What % of your AA is non-domestic?

Steeze

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Re: On VTSAX and VBTLX - need some international exposure?
« Reply #1 on: June 03, 2022, 05:42:13 AM »
VTIAX / VEMAX - 17.5% each
20% US TSM
10% US SCV
10% US Growth
10% Bonds
10% Cash
5% US REIT

somers515

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Re: On VTSAX and VBTLX - need some international exposure?
« Reply #2 on: June 03, 2022, 05:56:18 AM »
US Equity (mostly VTSAX) 49%
International Equity (mostly VTIAX with a little VEMAX) 25%
US Bonds (mostly VBTLX) 14%
International Bonds (mostly VTABX) 4%
REIT (VGSLX), TIPS (VIPSX) and Gold each 1%
Cash 5%

I'm retired, my wife is not yet and carrying a little extra cash due to kids in college.  Hope this helps.

RWD

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Re: On VTSAX and VBTLX - need some international exposure?
« Reply #3 on: June 03, 2022, 08:41:54 AM »
I use VTIAX (or equivalents)

harvestbook

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Re: On VTSAX and VBTLX - need some international exposure?
« Reply #4 on: June 03, 2022, 09:24:03 AM »
I use a modified Merriman portfolio (I skip the international value since Vanguard's fund cost is too high):
Total International 15%
Emerging Markets 10%
International Small Cap 15%
International REIT 5%

Not sure if it's good or bad but I've held it for a decade and plan to keep holding with annual rebalancing.
« Last Edit: June 03, 2022, 09:28:09 AM by harvestbook »

nyxst

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Re: On VTSAX and VBTLX - need some international exposure?
« Reply #5 on: June 03, 2022, 12:35:24 PM »
Thanks all! This is a great starting  point for my research!