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International Equity Exposure
Posted on 5/4/15 at 9:03 pm
Posted on 5/4/15 at 9:03 pm
In the short term, I plan on diversifying from 100% US equities to a having a substantial percentage in international equity. I've begun researching allocation recommendations, and have seen everything from 15% to 55%. So, I was wondering what you keep invested in international markets, and what your reason behind that allocation amount is.
4
Posted on 5/4/15 at 9:38 pm to Joshjrn
30% of my portfolio is allocated to VXUS
When I considered my investment parameters (time frame, risk, etc.) I figured a 70/30 split between domestic and international markets would be ideal for my portfolio. I picked VXUS because it had a low expense ratio and good coverage of developed countries.
When I considered my investment parameters (time frame, risk, etc.) I figured a 70/30 split between domestic and international markets would be ideal for my portfolio. I picked VXUS because it had a low expense ratio and good coverage of developed countries.
This post was edited on 5/4/15 at 9:41 pm
Posted on 5/4/15 at 9:43 pm to Joshjrn
I prefer around 30% as well just because that's what I see when I read about allocation. My target retirement fund just happens to include about 30% international.
Posted on 5/4/15 at 9:46 pm to bayoubengals88
You guys are bad for my mental wellbeing. I was leaning towards 30%, but feel like we can't all be right 
Posted on 5/4/15 at 9:49 pm to Joshjrn
A couple of months ago Vanguard increased the international exposure in its Target Retirement and LifeStrategy funds.
I guess you are in good company.
I guess you are in good company.
Posted on 5/4/15 at 9:51 pm to Joshjrn
It all depends on your risk tolerance. 30% of your overall portfolio is a decent amount of international exposure.
Keep in mind that you can allocate your international positions. i.e. more heavily weighted to emerging countries than developed countries.
If you want an easy, set it and forget it investment I recommend VXUS, or its mutual fund counterpart.
Keep in mind that you can allocate your international positions. i.e. more heavily weighted to emerging countries than developed countries.
If you want an easy, set it and forget it investment I recommend VXUS, or its mutual fund counterpart.
Posted on 5/4/15 at 9:52 pm to Joshjrn
I'm only at about 10% but want to increase it to about 20-25%. The main reason I'm so low is that my 457 plan at work (by far my biggest account) doesn't have many good options for foreign investments. There are 4 options in their international/global funds, and 2 of them are global funds that are about 50% domestic each. Kinda defeats the purpose.
Posted on 5/4/15 at 10:00 pm to Blue Horseshoe
I'm currently leaning towards going 30% into VWIGX. LINK
Posted on 5/4/15 at 10:04 pm to Joshjrn
Nothing against your decision, but whats your reasoning behind VWIGX?
Posted on 5/4/15 at 10:06 pm to Joshjrn
I have about 20% of my IRA in VWIGX
Posted on 5/4/15 at 10:09 pm to Joshjrn
I've been 60/40 since Day 1.
However my opinion means nothing
However my opinion means nothing
Posted on 5/4/15 at 10:09 pm to Blue Horseshoe
Currently 100% in VTSAX, which is obviously fairly conservative position, so a growth focus isn't overly dangerous. Further, VWIGX has a strong historical return, a decent split of stable and emerging markets, 177 holdings for healthy diversification, and has a lower cost admiral share fund when I get to that point.
This post was edited on 5/4/15 at 10:23 pm
Posted on 5/4/15 at 10:12 pm to Joshjrn
Interesting. Two recent IPOs in the top 5 of its holdings.
Posted on 5/4/15 at 10:12 pm to Teddy Ruxpin
Hey, any man who goes as far down the credit card rabbit hole as you have deserves more credit than you seem to afford yourself
Posted on 5/4/15 at 10:17 pm to Joshjrn
I'm currently comparing VTSAX to VWIGX on Vanguard's website right now, but for some reason the Top 5 Countries section isn't populating.. Do you know what the geographic allocation is for VWIGX?
This post was edited on 5/4/15 at 10:18 pm
Posted on 5/4/15 at 10:19 pm to Blue Horseshoe
15.20% Emerging Markets
54.10% Europe
21.00% Pacific
1.00% Middle East
4.40% North America
4.30% Other
Country split:
United Kingdom 14.5%
Japan 12.3%
China 7.1%
France 6.5%
Spain 5.8%
Sweden 5.8%
Germany 5.7%
Switzerland 5.7%
Italy 5.1%
Hong Kong 4.8%
Other 4.3%
India 2.6%
United States 2.5%
Canada 2.0%
Korea 2.0%
Denmark 1.8%
Australia 1.4%
Norway 1.3%
Taiwan 1.2%
Israel 1.0%
Brazil 0.8%
Ireland 0.9%
Peru 0.8%
Thailand 0.7%
Finland 0.6%
Mexico 0.3%
Russia 0.5%
Turkey 0.5%
Singapore 0.4%
Indonesia 0.3%
Netherlands 0.3%
Portugal 0.2%
Chile 0.2%
South Africa 0.1%
If the link works: LINK
This post was edited on 5/4/15 at 10:21 pm
Posted on 5/4/15 at 10:25 pm to Joshjrn
From what I have briefly reviewed, it seems like a decent fund. The turnover rate is higher than most, and that could reduce returns.
If you like the fund, you should invest. I am by no means an expert so as always, do your homework.
If you like the fund, you should invest. I am by no means an expert so as always, do your homework.
Posted on 5/4/15 at 10:25 pm to Joshjrn
I actually sliced and diced a bit using VTI (60), VEA (20), VWO(10), and VSS(10). I kinda also mess around with the REIT ETF(VNQ) since I like to explore passive income streams to supplement income. Don't know if I'll keep it or simplify. I look at it as little harm, little foul.
I run my wife's more simply at 60/40 VTI and VXUS.
Probably better really. I'll compare when I have enough data.
This post was edited on 5/4/15 at 10:27 pm
Posted on 5/4/15 at 10:32 pm to Blue Horseshoe
quote:
From what I have briefly reviewed, it seems like a decent fund. The turnover rate is higher than most, and that could reduce returns.
If you like the fund, you should invest. I am by no means an expert so as always, do your homework.
I did notice the turnover, which initially gave me pause coming from a position of 100% index. However, 20% isn't bad for a moderately managed fund, and 1% short-term reserve is acceptable to me.
Posted on 5/4/15 at 10:35 pm to Joshjrn
quote:
I did notice the turnover, which initially gave me pause coming from a position of 100% index.
Blue Horseshoe loves index funds.
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