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

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

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

75% US/25% Intl.

fsh71
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Re: What is your U.S./ex-U.S. stock allocation?

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

60% US / 40% Int'l

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

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

70/30

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

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

50/50.
“The purpose of the margin of safety is to render the forecast unnecessary.” -Benjamin Graham

F14tuna
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Re: What is your U.S./ex-U.S. stock allocation?

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

75/25

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

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

50/50

Invest2027
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Re: What is your U.S./ex-U.S. stock allocation?

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

87/13 moving slowly to 80/20
A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort. | Herm Albright 1876-1944

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Taylor Larimore
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How much international stock? A suggestion.

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
"Simplicity is the master key to financial success." -- Jack Bogle

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

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

50/50

Invest2027
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Re: How much international stock? A suggestion.

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%
A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort. | Herm Albright 1876-1944

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

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

2/3 U.S.
1/3 Foreign
Me: 75/25 stocks/bonds | Son: 45/45/10 matchbox/hotwheels/thomas & friends

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

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

60% U.S. and 40% International for stocks.
John C. Bogle - Two Fund Portfolio: Total Stock & Total Bond. "Simplicity is the master key to financial success."

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

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

Total World market cap.
Total World Stock and Total World Bond. The simple two fund diversified portfolio. "Simplicity is the master key to financial success."

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

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

100% US past 18 years, have done well.

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

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

100% US

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

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

75% U.S. / 25% International

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

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

78/22

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Wiggums
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Re: How much international stock? A suggestion.

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

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

Roughly 28% non-US

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

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

50/50
Markets crash. Markets recover. Inflation takes your money FOREVER.

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

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

25% of equities are x-us.

:beer Cheers,
packet
First round’s on me.

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

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

Roughly 65% non US
35% USA

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

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

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

65/35

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

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

80/20

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

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

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

60% US
40% International

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

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

88% US
12% OUS
Stay the course

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

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

VTWAX and chill.

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

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

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

:sharebeer
Prahasaurus wrote:
Fri May 10, 2019 11:41 am
VTWAX and chill.
Total World Stock and Total World Bond. The simple two fund diversified portfolio. "Simplicity is the master key to financial success."

jibantik
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Re: How much international stock? A suggestion.

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

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

100%, 0%.

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

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

~55/45: VT

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

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

Equities
70% US : 30% ex-US

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

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.

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

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

50/50
“Diversification is about accepting good enough while missing out on great but avoiding terrible.” - Ben Carlson

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

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

63.13 / 36.87 (MSCI World index)
IWDA: MSCI World | EMIM: MSCI Emerging Markets | AGGH: Global Aggregate Bond Hedged to €

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

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

83/17
Everthing works out in the end. If it doesn't then its not the end.

m@ver1ck
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Re: What is your U.S./ex-U.S. stock allocation?

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

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.
70/30 AA, Global market cap equities, TSP G and DODLX FI. Rebalance to AA if FI <25% or >35%. Weighted ER<= 0.10%. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals.

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

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.

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

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.

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Taylor Larimore
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Re: What is your U.S./ex-U.S. stock allocation?

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
"Simplicity is the master key to financial success." -- Jack Bogle

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Socrates
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I think I'm finally out on international

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.
“Don't waste your time looking back. You're not going that way.” ― Ragnar Lothbrok.

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

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

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

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

    50/50

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    jakehefty17
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    Re: What is your U.S./ex-U.S. stock allocation?

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

    30% Ex-US
    "The problem with the world is that the intelligent people are full of doubts, while the stupid ones are full of confidence." -Charles Bukowski

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

    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%.

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