What's your U.S. : International ratio?

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What's your U.S. : International ratio?

100:0
31
5%
80:20
105
16%
70:30
155
23%
60:40
116
17%
60:40
116
17%
50:50
119
18%
40:60
10
1%
30:70
10
1%
20:80
12
2%
 
Total votes: 674

dcabler
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Re: What's your U.S. : International ratio?

Post by dcabler » Thu Feb 08, 2018 12:24 pm

20% International/80% US Will bump up Int'l a tad soon with a reshuffle inside an IRA.

pascalwager
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Re: What's your U.S. : International ratio?

Post by pascalwager » Mon Feb 12, 2018 8:59 pm

RRAAYY3 wrote:
Thu Feb 08, 2018 11:13 am
pascalwager wrote:
Thu Feb 08, 2018 2:19 am
I hold the world market AA. It changes daily, of course.

Today: US 52.4%, non-US 47.6%
Yeah I have a 5% “band” where I don’t bother rebalancing otherwise ... when it’s time for my next contribution, I just put it in whichever is lower - market decides for me
Sure, that seems fine, and frees Vanguard from making the other transaction.
Overall AA: 51/37/12 | Portfolio 1: total world stock market, short-term TIPS | Portfolio 2: global large value, global small cap, ultra short-term global bonds | Cash: Treasury money market

TheNightsToCome
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Re: What's your U.S. : International ratio?

Post by TheNightsToCome » Tue Feb 13, 2018 12:55 pm

My equities allocation is 0% US, 100% international. That will change as relative valuations change.

BlackHat
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Re: What's your U.S. : International ratio?

Post by BlackHat » Tue Feb 13, 2018 1:18 pm

TheNightsToCome wrote:
Tue Feb 13, 2018 12:55 pm
My equities allocation is 0% US, 100% international. That will change as relative valuations change.
Woah. Are you just in a Total International Index Fund?
“Life is really simple, but we insist on making it complicated.” -- Confucius

92irish
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Re: What's your U.S. : International ratio?

Post by 92irish » Tue Feb 13, 2018 2:41 pm

I'm 50/50. I wish Vanguard would offer an Admiral share version of the Total World Stock Index fund - that would make my life easier. I'd prefer not to use the total world stock index ETF (VT), so I must split between the admiral total US stock market and admiral total intl' market index keep the expense ratio down. Not sure why Vanguard won't open an Admiral class of the total world index mutual fund.

TheNightsToCome
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Re: What's your U.S. : International ratio?

Post by TheNightsToCome » Tue Feb 13, 2018 3:26 pm

BlackHat wrote:
Tue Feb 13, 2018 1:18 pm
TheNightsToCome wrote:
Tue Feb 13, 2018 12:55 pm
My equities allocation is 0% US, 100% international. That will change as relative valuations change.
Woah. Are you just in a Total International Index Fund?
I use ETFs; mainly IEMG, IEFA, SCHF, VGK.

Drovor
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Re: What's your U.S. : International ratio?

Post by Drovor » Tue Feb 13, 2018 4:03 pm

92irish wrote:
Tue Feb 13, 2018 2:41 pm
I'm 50/50. I wish Vanguard would offer an Admiral share version of the Total World Stock Index fund - that would make my life easier. I'd prefer not to use the total world stock index ETF (VT), so I must split between the admiral total US stock market and admiral total intl' market index keep the expense ratio down. Not sure why Vanguard won't open an Admiral class of the total world index mutual fund.
Would be nice seeing an Admiral class for Total World.

pascalwager
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Re: What's your U.S. : International ratio?

Post by pascalwager » Tue Feb 13, 2018 4:13 pm

Drovor wrote:
Tue Feb 13, 2018 4:03 pm
92irish wrote:
Tue Feb 13, 2018 2:41 pm
I'm 50/50. I wish Vanguard would offer an Admiral share version of the Total World Stock Index fund - that would make my life easier. I'd prefer not to use the total world stock index ETF (VT), so I must split between the admiral total US stock market and admiral total intl' market index keep the expense ratio down. Not sure why Vanguard won't open an Admiral class of the total world index mutual fund.
Would be nice seeing an Admiral class for Total World.
At Vanguard, higher net assets leads to lower ER. So invest in it now and you'll help bring down the ER.
Overall AA: 51/37/12 | Portfolio 1: total world stock market, short-term TIPS | Portfolio 2: global large value, global small cap, ultra short-term global bonds | Cash: Treasury money market

MnD
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Re: What's your U.S. : International ratio?

Post by MnD » Tue Feb 13, 2018 6:41 pm

RRAAYY3 wrote:
Thu Feb 08, 2018 11:13 am
pascalwager wrote:
Thu Feb 08, 2018 2:19 am
I hold the world market AA. It changes daily, of course.

Today: US 52.4%, non-US 47.6%
Yeah I have a 5% “band” where I don’t bother rebalancing otherwise ... when it’s time for my next contribution, I just put it in whichever is lower - market decides for me
i specifically don't have a fixed ratio or any band. US to ex US global cap ratio could be 75/25 or 25/75 in the future. if history is any guide, maintaining any fixed ratio is going to require significant and regular rebalancing and more importantly, tilting farther to or farther away from US depending on what the all country all cap index weightings are. Total world approach doesn't require the trading of rebalancing or tilting. If the US or rest-of-the-world go on big run, I want to be on that train, not fighting it.

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StevieG72
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Re: What's your U.S. : International ratio?

Post by StevieG72 » Tue Feb 13, 2018 8:25 pm

15% of stocks.

Target is 20%, I will get there eventually.
Fools think their own way is right, but the wise listen to others.

pascalwager
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Re: What's your U.S. : International ratio?

Post by pascalwager » Tue Feb 13, 2018 9:59 pm

MnD wrote:
Tue Feb 13, 2018 6:41 pm
RRAAYY3 wrote:
Thu Feb 08, 2018 11:13 am
pascalwager wrote:
Thu Feb 08, 2018 2:19 am
I hold the world market AA. It changes daily, of course.

Today: US 52.4%, non-US 47.6%
Yeah I have a 5% “band” where I don’t bother rebalancing otherwise ... when it’s time for my next contribution, I just put it in whichever is lower - market decides for me
i specifically don't have a fixed ratio or any band. US to ex US global cap ratio could be 75/25 or 25/75 in the future. if history is any guide, maintaining any fixed ratio is going to require significant and regular rebalancing and more importantly, tilting farther to or farther away from US depending on what the all country all cap index weightings are. Total world approach doesn't require the trading of rebalancing or tilting. If the US or rest-of-the-world go on big run, I want to be on that train, not fighting it.
From what I understand, the VG Life Strategy and Target Date series will eventually go to world market ratios for both stocks and bonds.
Overall AA: 51/37/12 | Portfolio 1: total world stock market, short-term TIPS | Portfolio 2: global large value, global small cap, ultra short-term global bonds | Cash: Treasury money market

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zonto
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Re: What's your U.S. : International ratio?

Post by zonto » Tue Feb 13, 2018 10:22 pm

pascalwager wrote:
Tue Feb 13, 2018 9:59 pm
From what I understand, the VG Life Strategy and Target Date series will eventually go to world market ratios for both stocks and bonds.
Do you have a source for this? It would make sense, but I haven't read anything official.
“Diversification is about accepting good enough while missing out on great but avoiding terrible.” - Ben Carlson

Dominic
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Re: What's your U.S. : International ratio?

Post by Dominic » Tue Feb 13, 2018 10:26 pm

I'm 60/40 since that's what Vanguard defaults to in their fund-of-funds.

If I were doing this manually (i.e. I could afford admiral shares of the four-fund portfolio), I'd probably keep that split. It's close enough to the market cap allocation, but gives me a touch less exposure to currency risk. If/when international markets continue to outgrow the US market, I'll adjust my international holdings upward. (I'll try to stay within 5-10% of the market cap ratio.)

jalbert
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Re: What's your U.S. : International ratio?

Post by jalbert » Tue Feb 13, 2018 10:33 pm

zonto wrote:
Tue Feb 13, 2018 10:22 pm
pascalwager wrote:
Tue Feb 13, 2018 9:59 pm
From what I understand, the VG Life Strategy and Target Date series will eventually go to world market ratios for both stocks and bonds.
Do you have a source for this? It would make sense, but I haven't read anything official.
I think that is doubtful. Vanguard references a study they did wherein they found 40% to be optimal. Studies like that usually suffer from sample bias, and maybe they will do a new study and arrive at a different (not necessarily higher) number.
Risk is not a guarantor of return.

pascalwager
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Re: What's your U.S. : International ratio?

Post by pascalwager » Tue Feb 13, 2018 10:44 pm

jalbert wrote:
Tue Feb 13, 2018 10:33 pm
zonto wrote:
Tue Feb 13, 2018 10:22 pm
pascalwager wrote:
Tue Feb 13, 2018 9:59 pm
From what I understand, the VG Life Strategy and Target Date series will eventually go to world market ratios for both stocks and bonds.
Do you have a source for this? It would make sense, but I haven't read anything official.
I think that is doubtful. Vanguard references a study they did wherein they found 40% to be optimal. Studies like that usually suffer from sample bias, and maybe they will do a new study and arrive at a different (not necessarily higher) number.
It's on the VG website, in their blog, I think--an interview. I'll look for it. The interviewee said–-more or less--that by going from 20, to 30, to 40% non-US, they were easing people into market weighting and that Vanguard believes in market weighting. He emphasized that it would hold for both stocks and bonds.
Overall AA: 51/37/12 | Portfolio 1: total world stock market, short-term TIPS | Portfolio 2: global large value, global small cap, ultra short-term global bonds | Cash: Treasury money market

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aj76er
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Re: What's your U.S. : International ratio?

Post by aj76er » Tue Feb 13, 2018 10:53 pm

67% World (includes U.S.)
33% U.S.

When implemented in terms of VTSAX and VTIAX, this comes to about 68% U.S. (VTSAX) and 32% ex-U.S. (VTIAX). Not too far off from Vanguard's present recommendations.

My goal is to track long-term global growth patterns while still reducing the short-term effects of currency risk; and also have positive correlation with long-term domestic inflation. Also, in a study by forum member, Saimond, this ratio was seen as a sweet-spot across all developed countries in the last 50 years.
"Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle

jalbert
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Re: What's your U.S. : International ratio?

Post by jalbert » Wed Feb 14, 2018 1:16 am

Conclusion

In light of quantitative analysis and qualitative considerations, we have demonstrated that domestic investors should consider allocating part of their portfolios to international securities, and that a 20% allocation may be a reasonable starting point. Although finance theory dictates that an upper asset allocation limit should be based on the global market capitalization for international equities (currently approximately 51%), we have demonstrated that international allocations exceeding 40% have not historically added significant additional diversification benefits, particularly accounting for costs. For many investors, an allocation between 20% and 40% should be considered reasonable, given the historical benefits of diversification. Allocations closer to 40% may be suitable for those investors seeking to be closer to a market- proportional weighting or for those who are hoping to obtain potentially greater diversification benefits and are less concerned with the potential risks and higher costs. On the other hand, allocations closer to 20% may be viewed as offering a greater balance among the benefits of diversification, the risks of currency volatility and higher U.S. to non-U.S. stock correlations, investor preferences, and costs.
In: https://www.vanguard.com/pdf/ISGGEB.pdf
Risk is not a guarantor of return.

Jimmar
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Re: What's your U.S. : International ratio?

Post by Jimmar » Wed Feb 14, 2018 6:50 am

12.04% International Stocks
5.19% Bonds

Mr.BB
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Re: What's your U.S. : International ratio?

Post by Mr.BB » Wed Feb 14, 2018 11:25 am

15% International
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lostdog
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Re: What's your U.S. : International ratio?

Post by lostdog » Wed Feb 14, 2018 11:31 am


JustinR
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Re: What's your U.S. : International ratio?

Post by JustinR » Wed Mar 28, 2018 6:47 pm

randomizer wrote:
Sat Jan 20, 2018 11:47 pm
50:50 (for simplicity, trying to closely approximate world cap weighting with an easy-to-remember ratio, even though the true weight should really be 52:48).
pascalwager wrote:
Thu Feb 08, 2018 2:19 am
I hold the world market AA. It changes daily, of course.

Today: US 52.4%, non-US 47.6%
Which fund are you tracking to get the current weighting?

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randomizer
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Re: What's your U.S. : International ratio?

Post by randomizer » Wed Mar 28, 2018 11:06 pm

JustinR wrote:
Wed Mar 28, 2018 6:47 pm
randomizer wrote:
Sat Jan 20, 2018 11:47 pm
50:50 (for simplicity, trying to closely approximate world cap weighting with an easy-to-remember ratio, even though the true weight should really be 52:48).
pascalwager wrote:
Thu Feb 08, 2018 2:19 am
I hold the world market AA. It changes daily, of course.

Today: US 52.4%, non-US 47.6%
Which fund are you tracking to get the current weighting?
Vanguard Total World Stock Index Fund Institutional Shares (VTWIX), for example. Currently shows US at 52.6%. From the fund info:

"The fund employs a “passive management”—or indexing—investment approach designed to track the performance of the FTSE Global All Cap Index, a free-float-adjusted, market-capitalization-weighted index designed to measure the market performance of large-, mid-, and small-capitalization stocks of companies located around the world. The index includes approximately 7,400 stocks of companies located in 47 countries, including both developed and emerging markets."

I hold about 10 funds, and I use a spreadsheet to make sure my US allocation is about 50% of my equity allocation. It's my best effort at a precise calculation. I don't think being 1 or 2% off makes much difference.
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JustinR
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Re: What's your U.S. : International ratio?

Post by JustinR » Wed Mar 28, 2018 11:32 pm

randomizer wrote:
Wed Mar 28, 2018 11:06 pm
JustinR wrote:
Wed Mar 28, 2018 6:47 pm
randomizer wrote:
Sat Jan 20, 2018 11:47 pm
50:50 (for simplicity, trying to closely approximate world cap weighting with an easy-to-remember ratio, even though the true weight should really be 52:48).
pascalwager wrote:
Thu Feb 08, 2018 2:19 am
I hold the world market AA. It changes daily, of course.

Today: US 52.4%, non-US 47.6%
Which fund are you tracking to get the current weighting?
Vanguard Total World Stock Index Fund Institutional Shares (VTWIX), for example. Currently shows US at 52.6%. From the fund info:

"The fund employs a “passive management”—or indexing—investment approach designed to track the performance of the FTSE Global All Cap Index, a free-float-adjusted, market-capitalization-weighted index designed to measure the market performance of large-, mid-, and small-capitalization stocks of companies located around the world. The index includes approximately 7,400 stocks of companies located in 47 countries, including both developed and emerging markets."

I hold about 10 funds, and I use a spreadsheet to make sure my US allocation is about 50% of my equity allocation. It's my best effort at a precise calculation. I don't think being 1 or 2% off makes much difference.
Thanks! Does it make more sense to track the benchmark instead of the fund itself, which would put it at 52.1% instead of 52.6%? Not that it makes a difference, just for arguments sake.

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inittowinit
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Re: What's your U.S. : International ratio?

Post by inittowinit » Thu Mar 29, 2018 1:50 am

50 / 50

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pokebowl
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Re: What's your U.S. : International ratio?

Post by pokebowl » Thu Mar 29, 2018 10:35 am

JustinR wrote:
Wed Mar 28, 2018 11:32 pm

Thanks! Does it make more sense to track the benchmark instead of the fund itself, which would put it at 52.1% instead of 52.6%? Not that it makes a difference, just for arguments sake.
What I personally do is look at the current benchmark then round up or down to a whole percentage point for easier allocation. So 52.1 becomes 52, 52.6 becomes 53 etc. :beer
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ruralavalon
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Re: What's your U.S. : International ratio?

Post by ruralavalon » Thu Mar 29, 2018 4:09 pm

About 75/25 U.S. stocks/international stocks.
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Sandtrap
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Re: What's your U.S. : International ratio?

Post by Sandtrap » Thu Mar 29, 2018 4:33 pm

About 85/15
US/International

Took me a lot to get to 15%
Still not sure whether to increase with new money coming in.

Fence sitting.
j :D

peppers
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Re: What's your U.S. : International ratio?

Post by peppers » Thu Mar 29, 2018 4:37 pm

US 85
EX-US 15
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MindTheGAAP
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Re: What's your U.S. : International ratio?

Post by MindTheGAAP » Thu Mar 29, 2018 5:17 pm

55/45
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rnitz
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Re: What's your U.S. : International ratio?

Post by rnitz » Thu Mar 29, 2018 10:06 pm

Interesting from the poll results that only 5% of respondents are 100% US only. I would have guessed many more, from my casual perusal of previous threads on the topic. Of course, the poll has some problems (no 90:10, doubles 60:40, it's 10 years old but still accepting votes, etc.) so maybe that's it.

ji.isaacs
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Re: What's your U.S. : International ratio?

Post by ji.isaacs » Fri Mar 30, 2018 9:53 am

There's no poll option for less than 20%.

90/10 and holding for now.

UpperNwGuy
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Re: What's your U.S. : International ratio?

Post by UpperNwGuy » Fri Mar 30, 2018 10:07 am

I am at 2:1 US:International, but I'm growing increasingly doubtful that the international fund is adding much value to my portfolio. It not only has lower returns than the US fund, but it seems to follow the US fund upwards and downwards in lock-step, providing no obvious additional stability to the equity side of my portfolio.

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spdoublebass
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Re: What's your U.S. : International ratio?

Post by spdoublebass » Fri Mar 30, 2018 2:32 pm

I am 2:1 US to International.

I think of it differently, but that is the current breakdown. I think of it this way, 2/3's of my portfolio is at world market weight, then 1/3 is tilted towards the US. This way, the international will fluctuate depending on the world weight.
I do the same with Bonds. I have 2/3's of my FI at world market weight, then the other 1/3 in a SVF getting 3.25%.

All said and done, it's very similar to what Vanguard recommends. I like the little extra in the US based off of this article: https://finpage.blog/2017/03/25/investi ... ld-part-3/

Took me awhile to settle on this, but once I got here I have been happy. I am no guru, but I can sleep well at night with this.
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Hustlinghustling
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Re: What's your U.S. : International ratio?

Post by Hustlinghustling » Fri Mar 30, 2018 3:23 pm

Always perplexed by how many Bogleheads insist on not picking single stocks to simply take what the market will bear. Yet have no issue holding a US only or US dominant portfolio that's so far out of line with global market proportions.

The disconnect here often sounds premised on a borderline jingoistic view of American exceptionalism.

lostdog
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Re: What's your U.S. : International ratio?

Post by lostdog » Fri Mar 30, 2018 3:32 pm

Hustlinghustling wrote:
Fri Mar 30, 2018 3:23 pm
Always perplexed by how many Bogleheads insist on not picking single stocks to simply take what the market will bear. Yet have no issue holding a US only or US dominant portfolio that's so far out of line with global market proportions.

The disconnect here often sounds premised on a borderline jingoistic view of American exceptionalism.
+1

I decided to go with Vanguard Total World. I am done with tinkering.

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Re: What's your U.S. : International ratio?

Post by BogleBoogie » Fri Mar 30, 2018 4:06 pm

100 : 0

I don't have international funds. My total stock market US does have quite a bit of foreign exposure though.

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Re: What's your U.S. : International ratio?

Post by LazyNihilist » Fri Mar 30, 2018 6:11 pm

Hustlinghustling wrote:
Fri Mar 30, 2018 3:23 pm
Always perplexed by how many Bogleheads insist on not picking single stocks to simply take what the market will bear. Yet have no issue holding a US only or US dominant portfolio that's so far out of line with global market proportions.

The disconnect here often sounds premised on a borderline jingoistic view of American exceptionalism.
This baffles me as well.
Why don't Bogleheads who overweigh US, use the same rational thought process for US vs Int. as the one used for picking US Total Market vs Sector/Factor investing?
The strong do what they can and the weak suffer what they must -Thucydides

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Re: What's your U.S. : International ratio?

Post by LazyNihilist » Fri Mar 30, 2018 6:14 pm

BogleBoogie wrote:
Fri Mar 30, 2018 4:06 pm
100 : 0

I don't have international funds. My total stock market US does have quite a bit of foreign exposure though.
Couldn't the exact same argument be used to flip the allocation to 0:100?
Say for example investing in 100% Canadian stocks because Canada has a good bit of exposure to US Markets?
The strong do what they can and the weak suffer what they must -Thucydides

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Re: What's your U.S. : International ratio?

Post by Dottie57 » Fri Mar 30, 2018 7:01 pm

LazyNihilist wrote:
Fri Mar 30, 2018 6:14 pm
BogleBoogie wrote:
Fri Mar 30, 2018 4:06 pm
100 : 0

I don't have international funds. My total stock market US does have quite a bit of foreign exposure though.
Couldn't the exact same argument be used to flip the allocation to 0:100?
Say for example investing in 100% Canadian stocks because Canada has a good bit of exposure to US Markets?
70/30 U.S. / International.

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Re: What's your U.S. : International ratio?

Post by BogleBoogie » Sat Mar 31, 2018 9:21 am

LazyNihilist wrote:
Fri Mar 30, 2018 6:14 pm
BogleBoogie wrote:
Fri Mar 30, 2018 4:06 pm
100 : 0

I don't have international funds. My total stock market US does have quite a bit of foreign exposure though.
Couldn't the exact same argument be used to flip the allocation to 0:100?
Say for example investing in 100% Canadian stocks because Canada has a good bit of exposure to US Markets?
Yes, I think that argument could be used. My lack of interest in owning international funds is a combination of home bias and the fact that the US stocks do have international exposure. If I were attempting to diversify and capture the entire world market, my approach wouldn't be sound.

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Portfolio7
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Re: What's your U.S. : International ratio?

Post by Portfolio7 » Sat Mar 31, 2018 2:54 pm

Dont' both 100% US and 100% Global have the same benefit of being sufficiently diversified to eliminate individual stock risk? Isn't this also true of just about any index fund-based investment approach that has reasonable diversification?

I think one's answer to inclusion of international equity may depend on how one views their private situation and global market conditions.

* A 100% US focus has had better returns over my 23 year investing lifetime (granted, the past 8 years or so has driven that outperformance)... and the US legal/regulatory environment is one of the most optimized for business performance (not to say that some others aren't better, but many are far worse). Plus, you only retire in one country; if that's the US then it makes sense to invest that way.

* A global investing approach would appeal to people who like the idea of even greater diversification, or wish to model their investments upon William Sharpe's conclusions, as I understand them, that the total market portolio is also the most efficient portfolio... which may be true in an ideal world, so one has to decide for themselves how ideal this world is w/r/t Sharpe's underlying assumptions. It also may appeal to those who spend a lot of time out of the country, and may retire out of the country.

* For slice and dicers like myself, I'm not enamored of developed market large caps, but I like EM and global small/mid cap. I think they both contribute to the risk/return profile of my portfolio over the long term (but, past performance etc...). I know I'm not the only one on these boards with this bias.

To my way of thinking, any of those answers are 'good enough'.
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Re: What's your U.S. : International ratio?

Post by pascalwager » Sun Jun 17, 2018 1:12 am

JustinR wrote:
Wed Mar 28, 2018 6:47 pm
randomizer wrote:
Sat Jan 20, 2018 11:47 pm
50:50 (for simplicity, trying to closely approximate world cap weighting with an easy-to-remember ratio, even though the true weight should really be 52:48).
pascalwager wrote:
Thu Feb 08, 2018 2:19 am
I hold the world market AA. It changes daily, of course.

Today: US 52.4%, non-US 47.6%
Which fund are you tracking to get the current weighting?
I use the actual index current market values (Yahoo Finance) to set my AA, although I may let an AA run for multiple quarters.
Overall AA: 51/37/12 | Portfolio 1: total world stock market, short-term TIPS | Portfolio 2: global large value, global small cap, ultra short-term global bonds | Cash: Treasury money market

Actin
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Re: What's your U.S. : International ratio?

Post by Actin » Sun Jun 17, 2018 9:02 am

90% US 10% int

International just drags a VTSAX portfolio down

herpfinance
Posts: 209
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Location: Denmark

Re: What's your U.S. : International ratio?

Post by herpfinance » Sun Jun 17, 2018 9:05 am

Actin wrote:
Sun Jun 17, 2018 9:02 am
90% US 10% int

International just drags a VTSAX portfolio down
Is that what your crystal ball's prediction is?
"The intelligent investor is a realist who sells to optimists and buys from pessimists" - Benjamin Graham

You Know What I Mean
Posts: 18
Joined: Tue Mar 06, 2018 9:27 am

Re: What's your U.S. : International ratio?

Post by You Know What I Mean » Sun Jun 17, 2018 9:36 am

About 50% US stock funds & REIT, 50 % non-US stock funds.

UpperNwGuy
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Re: What's your U.S. : International ratio?

Post by UpperNwGuy » Sun Jun 17, 2018 10:55 am

herpfinance wrote:
Sun Jun 17, 2018 9:05 am
Actin wrote:
Sun Jun 17, 2018 9:02 am
90% US 10% int

International just drags a VTSAX portfolio down
Is that what your crystal ball's prediction is?
I don't think the statement was intended to be a crystal ball prediction. I suspect it was simply a statement of fact about the recent past. (Disclaimer: 30% of my equities are international.)

herpfinance
Posts: 209
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Location: Denmark

Re: What's your U.S. : International ratio?

Post by herpfinance » Sun Jun 17, 2018 11:31 am

UpperNwGuy wrote:
Sun Jun 17, 2018 10:55 am
herpfinance wrote:
Sun Jun 17, 2018 9:05 am
Actin wrote:
Sun Jun 17, 2018 9:02 am
90% US 10% int

International just drags a VTSAX portfolio down
Is that what your crystal ball's prediction is?
I don't think the statement was intended to be a crystal ball prediction. I suspect it was simply a statement of fact about the recent past. (Disclaimer: 30% of my equities are international.)
But looking in the rear view mirror at recent events is not a good indicator of where the road will take you in the near future.
"The intelligent investor is a realist who sells to optimists and buys from pessimists" - Benjamin Graham

UpperNwGuy
Posts: 1135
Joined: Sun Oct 08, 2017 7:16 pm

Re: What's your U.S. : International ratio?

Post by UpperNwGuy » Sun Jun 17, 2018 12:16 pm

herpfinance wrote:
Sun Jun 17, 2018 11:31 am
UpperNwGuy wrote:
Sun Jun 17, 2018 10:55 am
herpfinance wrote:
Sun Jun 17, 2018 9:05 am
Actin wrote:
Sun Jun 17, 2018 9:02 am
90% US 10% int

International just drags a VTSAX portfolio down
Is that what your crystal ball's prediction is?
I don't think the statement was intended to be a crystal ball prediction. I suspect it was simply a statement of fact about the recent past. (Disclaimer: 30% of my equities are international.)
But looking in the rear view mirror at recent events is not a good indicator of where the road will take you in the near future.
I know that, but that same argument could also be used to encourage folk to buy Sears, General Electric, or Bed Bath & Beyond stock. (Again: 30% of my equities are international.)

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oldzey
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Location: Land of Lincoln

Re: What's your U.S. : International ratio?

Post by oldzey » Sun Jun 17, 2018 12:21 pm

100% U.S. : 0% International works for me! :beer
"The broker said the stock was 'poised to move.' Silly me, I thought he meant up." ― Randy Thurman

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LadyGeek
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Re: What's your U.S. : International ratio?

Post by LadyGeek » Sun Jun 17, 2018 12:31 pm

FYI - This thread was started Mar 09, 2007.

On May 01, 2015, the site owner disabled anonymous polls as stated here: May 01, 2015 (Please don't debate this decision here, it won't change.)

This thread was bumped 11 years later (Jan 20, 2018, first page), as the poll is still working.

Please bear in mind that the data spans 11 years. There is no way to verify when the votes were cast (nor if they are legitimate).
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

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