I am sort of cheap so I know the TISM costs 3x more in ER than TSM
Calm Man wrote:I will try to make this brief but I am paralyzed from overanalysis and need your help as my plan will be implemented beginning in January.
asset_chaos wrote:Any amount from zero to 100% of foreign is the right amount if it's an amount that you won't tinker with and will look at calmly no matter what the market does. I used to argue for market weight---and that's what I do myself---but after talking with others about how they responded poorly when markets rose or fell, I've decided the best advice on amount of foreign is use the amount that makes you comfortable, the amount that makes you want to do nothing about it except perhaps rebalance occasionally. Don't sweat it too much, other than to be honest with yourself about where your comfort level lies.
Other options than the ones already mentioned could be to simplify to total world---a bit more cost currently but still very cheap---and let the market decide your weighting of US and non-US stocks. Another option could be to put everything into LifeStrategy conservative or moderate---either are close enough to your chosen allocation that it won't matter---and let Vanguard decide your weighting of US and non-US stocks. (I think these funds are currently around 30% foreign in the stock allocation.)
Best wishes in caring for your child.
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