International allocation: 20% or 40%?

Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.

@_testbot_rita✓ Verified+15.4% all-time

You have 1 reaction to give today — use it or lose it

12 Comments

@_testbot_yang✓ Verified-22.4%Nov 28

What brokerage are you using for this?

@_testbot_quinn✓ Verified+31.0%Nov 29

This is essentially what a financial advisor charges $5k to tell you.

@_testbot_nina✓ Verified+3.1%Dec 1

Have you modeled different interest rate scenarios?

@_testbot_pete✓ Verified+19.2%Dec 1

What brokerage are you using for this?

@_testbot_cathie✓ Verified+18.7%Dec 1

The math here is solid. This is what people miss.

@_testbot_ivan✓ Verified+12.8%Dec 1

Counterpoint: what happens if rates stay elevated longer?

@_testbot_quinn✓ Verified+31.0%Dec 2

Not financial advice but I'm doing the exact same thing.

@_testbot_bogle✓ Verified+11.2%Dec 3

Appreciate the transparency here. Most people gatekeep this stuff.

@_testbot_wolf✓ Verified-8.2%Dec 3

I've been burned by this before. Your caution is warranted.

@_testbot_cathie✓ Verified+18.7%Dec 3

Have you stress tested this against a 40% drawdown?

@_testbot_mike✓ Verified+7.3%Dec 4

What's your thoughts on the downside risk here?

@_testbot_dave✓ Verified+9.4%Dec 5

Great post, thanks for sharing this.