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International funds 2025 and beyond
Posted on 12/26/24 at 5:44 pm
Posted on 12/26/24 at 5:44 pm
I know this has been discussed before on this board, but trying to get a feel what others are doing currently with international allocation in their retirement plans? I have roughly 10% international exposure in both my wife and I’s 401k/403b, but am tempted to up that percentage to closer to 20%. I feel like international is very undervalued right now, but I am not privy to what barricades other countries are facing right now and the immediate future. I’m 39, so at least another 20 years 100% in stocks.
5
Posted on 12/26/24 at 6:26 pm to Crescent Connection
I made a comment on a previous post that international has sucked since 2007 compared to domestic. I’m at about 7%.
I agree the pendulum must swing and am waiting for stimulus out the wazoo. The other option with all the ETFs available is cherry picking countries to get to a higher allocation. 3-5 countries at 5% or so is the current idea. No impending moves though.
I agree the pendulum must swing and am waiting for stimulus out the wazoo. The other option with all the ETFs available is cherry picking countries to get to a higher allocation. 3-5 countries at 5% or so is the current idea. No impending moves though.
Posted on 12/26/24 at 7:03 pm to Crescent Connection
0%. Unnecessary.
Posted on 12/26/24 at 8:20 pm to RoyalWe
quote:
0%. Unnecessary.
I go back and forth on this.
It’s been painful to own for a bit, relative to the US, but why own something like VTI, which is market cap weighted in the US, but stop at owning a market cap weighted global portfolio?
VT is a global ETF that does just that. 65% US and 35% international at the moment.
Posted on 12/26/24 at 8:45 pm to slackster
I’ll keep owning 15% of so in international.
Posted on 12/26/24 at 8:52 pm to lynxcat
It’s really tough to buy international with the US market doing so well.
Theoretically, I guess it’s the best time to do some rebalancing.
Theoretically, I guess it’s the best time to do some rebalancing.
Posted on 12/26/24 at 8:53 pm to Crescent Connection
I recently decided not to put any more in the international fund in my 401k mix. Gonna leave what’s there but quit buying more. It’s never done as well as the S&P 500 or small cap funds in the years I’ve watched them.
Wall Street Journal had an article a few days after I made that decision that said many others are taking the same view.
A friend who is a successful wealth manager said recently that he is telling his clients to steer clear of foreign stocks.
So they’ll probably go through the damned roof now.
Wall Street Journal had an article a few days after I made that decision that said many others are taking the same view.
A friend who is a successful wealth manager said recently that he is telling his clients to steer clear of foreign stocks.
So they’ll probably go through the damned roof now.
Posted on 12/26/24 at 8:56 pm to lynxcat
I’ve seen studies that suggest between 25-40% international weighting is optimal for minimizing volatility, but obviously not the end goal for every allocation.
Ultimately I think you can make a sound argument for international valuations and just trust that over the next 3-5 years that will prove to be the right call on a relative basis.
The biggest issue with international exposure is the behavioral component. It’s tough to look at your own domestic market outperform for so long before you just throw in the towel and capitulate. That’s typically a good time to own it though.
Ultimately I think you can make a sound argument for international valuations and just trust that over the next 3-5 years that will prove to be the right call on a relative basis.
The biggest issue with international exposure is the behavioral component. It’s tough to look at your own domestic market outperform for so long before you just throw in the towel and capitulate. That’s typically a good time to own it though.
Posted on 12/26/24 at 10:15 pm to Crescent Connection
We are almost at 2 decades of US dominance. That is 20 years. People are deep into a sunk cost fallacy if they are still suggesting international. You get enough international exposure with Google, nvidia, FB, Apple, etc as is.
Posted on 12/27/24 at 5:20 am to AUCE05
The S&P 500 index is full of companies with international exposure.
Posted on 12/27/24 at 10:09 am to Crescent Connection
The big dogs of the sp500 operate globally anyway.
The biggest international names have significant American exposure, so, domestic conditions will impact them as well.
Voo and vti is sufficient.
The biggest international names have significant American exposure, so, domestic conditions will impact them as well.
Voo and vti is sufficient.
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