What is your U.S./ex-U.S. stock allocation?

HawkeyePierce · Post by **HawkeyePierce** » Thu May 09, 2019 3:05 pm

75% US/25% Intl.

fsh71 · Post by **fsh71** » Thu May 09, 2019 3:06 pm

60% US / 40% Int'l

jyoung · Post by **jyoung** » Thu May 09, 2019 3:16 pm

70/30

fujiters · Post by **fujiters** » Thu May 09, 2019 3:39 pm

50/50.

F14tuna · Post by **F14tuna** » Thu May 09, 2019 8:32 pm

75/25

jstash · Post by **jstash** » Thu May 09, 2019 8:39 pm

50/50

Invest2027 · Post by **Invest2027** » Thu May 09, 2019 8:40 pm

87/13 moving slowly to 80/20

Taylor Larimore · Post by **Taylor Larimore** » Thu May 09, 2019 8:43 pm

Bogleheads:

No one knows what will be the best U.S./e-U.S. stock allocation at a future date.

I wrote this post to help Bogleheads make a decision:

How much international stock? A suggestion.

Best wishes.
Taylor

Bungo · Post by **Bungo** » Thu May 09, 2019 8:45 pm

50/50

Invest2027 · Post by **Invest2027** » Thu May 09, 2019 8:50 pm

Taylor Larimore wrote: ↑Thu May 09, 2019 8:43 pm Bogleheads:

No one knows what will be the best U.S./e-U.S. stock allocation at a future date.

I wrote this post to help Bogleheads make a decision:

How much international stock? A suggestion.

Best wishes.
Taylor

Thank you Taylor. This post and the attached references is actually what made me decide to up my ex-US to eventually 20%

DoWahDaddy · Post by **DoWahDaddy** » Thu May 09, 2019 8:52 pm

2/3 U.S.
1/3 Foreign

abuss368 · Post by **abuss368** » Thu May 09, 2019 9:55 pm

60% U.S. and 40% International for stocks.

lostdog · Post by **lostdog** » Thu May 09, 2019 10:16 pm

Total World market cap.

dacalo · Post by **dacalo** » Thu May 09, 2019 10:27 pm

100% US past 18 years, have done well.

mrspock · Post by **mrspock** » Thu May 09, 2019 10:46 pm

100% US

peetsperk · Post by **peetsperk** » Fri May 10, 2019 1:34 am

75% U.S. / 25% International

Luckywon · Post by **Luckywon** » Fri May 10, 2019 1:40 am

78/22

Wiggums · Post by **Wiggums** » Fri May 10, 2019 4:47 am

Invest2027 wrote: ↑Thu May 09, 2019 8:50 pm
Taylor Larimore wrote: ↑Thu May 09, 2019 8:43 pm Bogleheads:

No one knows what will be the best U.S./e-U.S. stock allocation at a future date.

I wrote this post to help Bogleheads make a decision:

How much international stock? A suggestion.

Best wishes.
Taylor
Thank you Taylor. This post and the attached references is actually what made me decide to up my ex-US to eventually 20%

+1

dcabler · Post by **dcabler** » Fri May 10, 2019 5:57 am

Roughly 28% non-US

palaheel · Post by **palaheel** » Fri May 10, 2019 6:00 am

50/50

packet · Post by **packet** » Fri May 10, 2019 6:06 am

25% of equities are x-us.

Cheers,
packet

Valuethinker · Post by **Valuethinker** » Fri May 10, 2019 6:40 am

Roughly 65% non US
35% USA

bpp · Post by **bpp** » Fri May 10, 2019 8:00 am

Valuethinker wrote: ↑Fri May 10, 2019 6:40 am Roughly 65% non US
35% USA

Similar. About:
32% US
68% non-US

marklar13 · Post by **marklar13** » Fri May 10, 2019 9:15 am

65/35

eMonkey · Post by **eMonkey** » Fri May 10, 2019 10:09 am

80/20

carmonkie · Post by **carmonkie** » Fri May 10, 2019 10:15 am

DetroitRick wrote: ↑Wed Mar 20, 2019 9:40 am 68% / 32%

Is your overall 50% US / 30% Int / 20% Bonds?

apex84 · Post by **apex84** » Fri May 10, 2019 10:26 am

60% US
40% International

fjfino · Post by **fjfino** » Fri May 10, 2019 11:39 am

88% US
12% OUS

Prahasaurus · Post by **Prahasaurus** » Fri May 10, 2019 11:41 am

VTWAX and chill.

Spinola · Post by **Spinola** » Fri May 10, 2019 11:54 am

85 % US /15 % Intl. Including a Global REIT fund that has done very well. Goal is 20%
My 403b has poor choices in intl funds, or would probably have been at 20-25% long ago.

lostdog · Post by **lostdog** » Fri May 10, 2019 1:37 pm

Prahasaurus wrote: ↑Fri May 10, 2019 11:41 am VTWAX and chill.

jibantik · Post by **jibantik** » Fri May 10, 2019 8:50 pm

Put me down as global market cap. Not sure the current weighting, nor do I care.

Taylor Larimore wrote: ↑Thu May 09, 2019 8:43 pm Bogleheads:

No one knows what will be the best U.S./e-U.S. stock allocation at a future date.

...

Best wishes.
Taylor

+1000. Could NOT agree more. This is exactly why everyone should be global market cap.

Big Dog · Post by **Big Dog** » Fri May 10, 2019 8:59 pm

100%, 0%.

ThePrince · Post by **ThePrince** » Fri May 10, 2019 9:49 pm

~55/45: VT

RamblinDoc · Post by **RamblinDoc** » Fri May 10, 2019 10:09 pm

Equities
70% US : 30% ex-US

DetroitRick · Post by **DetroitRick** » Sat May 11, 2019 11:37 am

carmonkie wrote: ↑Fri May 10, 2019 10:15 am
DetroitRick wrote: ↑Wed Mar 20, 2019 9:40 am 68% / 32%
Is your overall 50% US / 30% Int / 20% Bonds?

Close, it's approximately:
45% US Equity
21% International Equity
29% Bonds (and a little cash), around 14%-16% non-US, so 84%-86% US
5% Other (commodity, gold, reits)

Age 63, retired, fairly aggressive investing style.

zonto · Post by **zonto** » Sun May 12, 2019 8:40 am

50/50

Schlabba · Post by **Schlabba** » Sun May 12, 2019 8:53 am

63.13 / 36.87 (MSCI World index)

Blister · Post by **Blister** » Sun May 12, 2019 10:13 am

83/17

m@ver1ck · Post by **m@ver1ck** » Sun May 12, 2019 10:34 am

90/7, want to push it to 80/20.

Still don't trust the BRIC too much so don’t like VTIAX.

Don’t want to give my money to Russians. Too much currency risk for Brazil India China.

Mostly through Wellington and Gloval Wellington.
Got 1% in vanguard developed nations fund.

MnD · Post by **MnD** » Sun May 12, 2019 4:29 pm

m@ver1ck wrote: ↑Sun May 12, 2019 10:34 am Don’t want to give my money to Russians.

When you purchase shares of equity either directly or through an equity index fund, the recipient of those purchase are vastly predominated by other investors selling those shares, not companies issuing new shares through initial public offerings (IPO's). Judging from a list of stocks in Russia-specific ETF's, about 25 Russian stocks comprise a Russia index. It's likely that an EM or total international fund also contains around 25 Russia stocks, and that zero or virtually zero of your purchase dollars would be going to "Russians". In 2018 in fact, the Russian stock market has exactly zero IPO's.

southerndoc · Post by **southerndoc** » Sun May 12, 2019 8:16 pm

I struggle with this all the time, but I now struggle with it even more since adopting a three-fund portfolio.

I've seen a lot of discussion (even Bogle himself) mentioning how international stocks will outperform domestic stocks over the next decade. Unfortunately, the only way to know is when we get to 2029.

I personally have a 60/40 split domestic/international (VTSAX and VFWAX) within my stock allocation.

unclescrooge · Post by **unclescrooge** » Sun May 12, 2019 8:28 pm

Mister A wrote: ↑Tue Mar 19, 2019 9:23 pm 50/50. Within international, 50/50 developed/emerging.

This.

Taylor Larimore · Post by **Taylor Larimore** » Sun May 12, 2019 8:37 pm

southerndoc wrote: ↑Sun May 12, 2019 8:16 pm I struggle with this all the time, but I now struggle with it even more since adopting a three-fund portfolio.

I've seen a lot of discussion (even Bogle himself) mentioning how international stocks will outperform domestic stocks over the next decade. Unfortunately, the only way to know is when we get to 2029.

I personally have a 60/40 split domestic/international (VTSAX and VFWAX) within my stock allocation.

southerndock:

Can you give a link to Bogle's remark that "international stocks will outperform domestic stocks over the next decade?"

Mr. Bogle and I had a lengthy discussion about international stocks when he wrote the Forward to my last book. Your statement is very unlike the Bogle that I knew.

Best wishes.
Taylor

Socrates · Post by **Socrates** » Sun May 12, 2019 8:41 pm

I'm 20%, but think it doesn't really make a difference at that percentage. Seems like when US stocks go down so does internationals and the returns are abysmal.

I will replace my international with bonds.

southerndoc · Post by **southerndoc** » Sun May 12, 2019 10:12 pm

Taylor, maybe I misread the article or his quote. He mentioned domestic stock returns will be down, and I thought he had mentioned international would be more. I know his primary stance has been domestic stocks as he thinks domestic stocks get a lot of their revenue from international sources, so he doesn't feel the need to own international stocks.

bltn · Post by **bltn** » Sun May 12, 2019 11:26 pm

95/5. Fifteen years ago I was at about 12% foreign stocks, but I ve never rebalanced and I ve only added limited amounts of foreign stock since.
Sequence of returns is important at my stage.
And I understand the reasoning of Warren Buffet and Jack Bogle.

heyyou · Post by **heyyou** » Sun May 12, 2019 11:45 pm

50/50

jakehefty17 · Post by **jakehefty17** » Mon May 13, 2019 8:15 am

30% Ex-US

southerndoc · Post by **southerndoc** » Mon May 13, 2019 11:53 am

Got an email today from Vanguard regarding international/domestic asset allocation.

Here's the PDF: https://advisors.vanguard.com/iwe/pdf/FAWHYINT.pdf

Summary: Vanguard reports US equity annualized returns of 10.1% for past 30 years and projects 5.1% for the next 10 years. International non-US equity annualized returns for the past 30 years have been 5.0%. The projection for the next 10 years is 8.4%.