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

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

Post by DesertDiva » Mon May 13, 2019 12:14 pm

72% US / 28% International

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

Post by EvanRude » Mon May 13, 2019 12:21 pm

65% US / 35% ex-US

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

Post by Time2Quit » Mon May 13, 2019 12:23 pm

80% US/20% ex-US
"It is not the man who has too little, but the man who craves more, that is poor." --Seneca

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

Post by bizkitgto » Mon May 13, 2019 2:27 pm

southerndoc wrote:
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%.
What are the headwinds expected to push up European and Janapense equities? Negative interest rates, poor demographics, secular stagnation - I don't see the sunny side of Global ex-US investing? (my non-US portfolio is ~30% VXUS).
Keep it simple: 20% BND, 50% VTI and 30% VXUS

DrGoogle2017
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Re: What is your U.S./ex-U.S. stock allocation?

Post by DrGoogle2017 » Mon May 13, 2019 3:14 pm

It varies, it’s zero right now, I mean zero ex-US allocation. Edit for clarity.
Last edited by DrGoogle2017 on Mon May 13, 2019 11:55 pm, edited 1 time in total.

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

Post by visualguy » Mon May 13, 2019 3:36 pm

bizkitgto wrote:
Mon May 13, 2019 2:27 pm
southerndoc wrote:
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%.
What are the headwinds expected to push up European and Janapense equities? Negative interest rates, poor demographics, secular stagnation - I don't see the sunny side of Global ex-US investing? (my non-US portfolio is ~30% VXUS).
They don't really provide any such analysis. It all seems to be based on something like the US has done really well, but that can't continue, and now it's the turn of ex-US. Basically, some sort of valuation-based reasoning. Looks weak. I would expect it to take more than that for Europe and Japan stock indices to start doing well, and there's no indication that China or India are changing the way their economies and stock markets work.

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

Post by bizkitgto » Mon May 13, 2019 4:17 pm

visualguy wrote:
Mon May 13, 2019 3:36 pm
bizkitgto wrote:
Mon May 13, 2019 2:27 pm
southerndoc wrote:
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%.
What are the headwinds expected to push up European and Janapense equities? Negative interest rates, poor demographics, secular stagnation - I don't see the sunny side of Global ex-US investing? (my non-US portfolio is ~30% VXUS).
They don't really provide any such analysis. It all seems to be based on something like the US has done really well, but that can't continue, and now it's the turn of ex-US. Basically, some sort of valuation-based reasoning. Looks weak. I would expect it to take more than that for Europe and Japan stock indices to start doing well, and there's no indication that China or India are changing the way their economies and stock markets work.
All the big banks were expecting Europe and EM's to outperform in 2019, so far - nothing. I tend to agree with you, they must be just looking at PE metrics.
Keep it simple: 20% BND, 50% VTI and 30% VXUS

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

Post by oldzey » Mon May 13, 2019 4:58 pm

100% U.S.
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bck63
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Re: What is your U.S./ex-U.S. stock allocation?

Post by bck63 » Mon May 13, 2019 5:09 pm

In my taxable account, I mirror the Target Date Fund in my IRA to determine my mix of US/international. I figure the experts at Vanguard know more than I do, so I'll just follow along with them.

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

Post by visualguy » Mon May 13, 2019 5:46 pm

bck63 wrote:
Mon May 13, 2019 5:09 pm
In my taxable account, I mirror the Target Date Fund in my IRA to determine my mix of US/international. I figure the experts at Vanguard know more than I do, so I'll just follow along with them.
The problem is that they don't disclose how they invest their own money, just how they invest other people's money.

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

Post by vineviz » Mon May 13, 2019 6:48 pm

60% US/ 40% ex-US
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Re: What is your U.S./ex-U.S. stock allocation?

Post by Hector » Mon May 13, 2019 6:53 pm

bck63 wrote:
Mon May 13, 2019 5:09 pm
In my taxable account, I mirror the Target Date Fund in my IRA to determine my mix of US/international. I figure the experts at Vanguard know more than I do, so I'll just follow along with them.
If they were experts, why would they work for anyone to earn paycheck?

bck63
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Re: What is your U.S./ex-U.S. stock allocation?

Post by bck63 » Mon May 13, 2019 7:03 pm

Hector wrote:
Mon May 13, 2019 6:53 pm
bck63 wrote:
Mon May 13, 2019 5:09 pm
In my taxable account, I mirror the Target Date Fund in my IRA to determine my mix of US/international. I figure the experts at Vanguard know more than I do, so I'll just follow along with them.
If they were experts, why would they work for anyone to earn paycheck?
My point is that they put a lot of resources into analyzing things like optimal allocation to international stocks. There is a ton of information out there on this subject. It can be overwhelming. I don't find myself qualified to weed through it all and make a decision I can be comfortable with. Therefore, I choose to trust someone. I figure the folks at Vanguard are trustworthy, so I pick them. Whether I'm right or wrong, time will tell.

Interestingly, they don't advocate an exact replica of the total world market. They favor tilting in favor of US. Their current allocation in my target fund is 60/40 US/international. Until recently my stock portfolio was 50/50. I have slowly decreased international allocation to 40%.

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

Post by Hector » Mon May 13, 2019 7:21 pm

bck63 wrote:
Mon May 13, 2019 7:03 pm
Hector wrote:
Mon May 13, 2019 6:53 pm
bck63 wrote:
Mon May 13, 2019 5:09 pm
In my taxable account, I mirror the Target Date Fund in my IRA to determine my mix of US/international. I figure the experts at Vanguard know more than I do, so I'll just follow along with them.
If they were experts, why would they work for anyone to earn paycheck?
My point is that they put a lot of resources into analyzing things like optimal allocation to international stocks. There is a ton of information out there on this subject. It can be overwhelming. I don't find myself qualified to weed through it all and make a decision I can be comfortable with. Therefore, I choose to trust someone. I figure the folks at Vanguard are trustworthy, so I pick them. Whether I'm right or wrong, time will tell.

Interestingly, they don't advocate an exact replica of the total world market. They favor tilting in favor of US. Their current allocation in my target fund is 60/40 US/international. Until recently my stock portfolio was 50/50. I have slowly decreased international allocation to 40%.
What was your reason for choosing 50/50 before?
I remember reading vanguard forecasting higher return on international compare to US for next decade.
When emerging market was doing better, I remember lots of posts about tilting towards emerging.
Lately US is doing better and we have seen tons of posts about tilting towards US.
One thing I have learned from this site is, stick to whatever plan you choose.

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

Post by visualguy » Mon May 13, 2019 7:29 pm

bizkitgto wrote:
Mon May 13, 2019 4:17 pm
All the big banks were expecting Europe and EM's to outperform in 2019, so far - nothing. I tend to agree with you, they must be just looking at PE metrics.
Right, and even that isn't well-argued. It's true that the current US P/E is significantly higher than its historical average, but that is also the case with ex-US, so ex-US isn't in bargain territory or anything like that... Higher P/E for US vs ex-US is nothing new. Even if you could make a convincing case that US returns will be subdued over the next decade, it doesn't follow that ex-US will do well or better.

Vanguard isn't providing the needed detail to justify their predicted returns. Either on the valuation front, or on any positive developments in Europe, Japan, China, etc. that would change the picture that we've been seeing for a very long time now.

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

Post by devdude » Mon May 13, 2019 7:45 pm

75:25
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gquogue
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Re: What is your U.S./ex-U.S. stock allocation?

Post by gquogue » Mon May 13, 2019 8:03 pm

50/50

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

Post by Deadwood » Mon May 13, 2019 8:03 pm

70/30

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

Post by Ferdinand2014 » Mon May 13, 2019 8:20 pm

100% U.S. S&P 500 index for equity allocation.

Re-evaluating 10% international developed allocation. Don’t like emerging market risk in my portfolio. I’ve held international twice in the past. Once total international and once developed only. My convictions have not been strong enough, so when I was at a break even point, I sold out both times. I suspect improved diversification and even total return for given risk improvement over only U.S. going forward, but I have proven unable to hold international and feel my savings rate and staying the course will trump any small diversification or return benefit in the next 10-15 years. Oddly, I have held both TSM and 500 funds through 2000 and 2008 without selling. Go figure. I have read just about every study, book and boglehead thread I can find on the U.S. vs international question both for and against I could get my hands on. I honestly believe what’s helped me stay the course the most however, is Jack Bogle (RIP) and Warren Buffett’s recommendations. Although some might say that’s an appeal to authority. I say so what, we all need teachers and educated individuals to guide us at some point in life. They are both well educated and steeped in the field of investing, incredibly smart, pragmatic and have a much deeper insight and understanding of investing than I ever will. The absolute simplicity of a 500 fund and cash provides a sense of calm for me.

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

Post by FrugalInvestor » Mon May 13, 2019 8:33 pm

100% U.S.

I once had a small percentage of Int'l but decided it wasn't enough to make a difference so simplified to a 2-fund portfolio.
IGNORE the noise! | Our life is frittered away by detail... simplify, simplify. - Henry David Thoreau

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

Post by bltn » Mon May 13, 2019 9:30 pm

visualguy wrote:
Mon May 13, 2019 7:29 pm
bizkitgto wrote:
Mon May 13, 2019 4:17 pm
All the big banks were expecting Europe and EM's to outperform in 2019, so far - nothing. I tend to agree with you, they must be just looking at PE metrics.
Right, and even that isn't well-argued. It's true that the current US P/E is significantly higher than its historical average, but that is also the case with ex-US, so ex-US isn't in bargain territory or anything like that... Higher P/E for US vs ex-US is nothing new. Even if you could make a convincing case that US returns will be subdued over the next decade, it doesn't follow that ex-US will do well or better.

Vanguard isn't providing the needed detail to justify their predicted returns. Either on the valuation front, or on any positive developments in Europe, Japan, China, etc. that would change the picture that we've been seeing for a very long time now.
I agree. Diversification into all the world s markets may damp volatility, but at the expense of total return. Without a strong argument for returns in foreign stock markets preferentially over the US market, I can t be enthusiastic about tilting my stock allocation to more overseas markets.

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

Post by bradinsky » Tue May 14, 2019 5:27 am

82/18

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

Post by soccerrules » Tue May 14, 2019 7:56 am

80% US/ 20% Not
Don't let your outflow exceed your income or your upkeep will be your downfall.

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

Post by hansatsu » Tue May 14, 2019 8:08 am

Vanguard PAS recommends 60% US / 40% International. I'm at 50% / 50%.

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

Post by pascalwager » Tue May 14, 2019 10:03 am

bck63 wrote:
Mon May 13, 2019 7:03 pm
Hector wrote:
Mon May 13, 2019 6:53 pm
bck63 wrote:
Mon May 13, 2019 5:09 pm
In my taxable account, I mirror the Target Date Fund in my IRA to determine my mix of US/international. I figure the experts at Vanguard know more than I do, so I'll just follow along with them.
If they were experts, why would they work for anyone to earn paycheck?
My point is that they put a lot of resources into analyzing things like optimal allocation to international stocks. There is a ton of information out there on this subject. It can be overwhelming. I don't find myself qualified to weed through it all and make a decision I can be comfortable with. Therefore, I choose to trust someone. I figure the folks at Vanguard are trustworthy, so I pick them. Whether I'm right or wrong, time will tell.

Interestingly, they don't advocate an exact replica of the total world market. They favor tilting in favor of US. Their current allocation in my target fund is 60/40 US/international. Until recently my stock portfolio was 50/50. I have slowly decreased international allocation to 40%.
In their blog, they've mentioned a couple times that they believe in world market weight for both stocks and bonds, but they don't think the average Vanguard investor is ready for that right now.

I've been roughly 52/48 since 1995.

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

Post by goldendad » Tue May 14, 2019 10:08 am

63 years old. Retired. 90/10

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

Post by atdharris » Tue May 14, 2019 11:12 am

Between 15-20%. I just can't get behind having 40% in ex-US markets

vrr106
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Re: What is your U.S./ex-U.S. stock allocation?

Post by vrr106 » Tue May 14, 2019 11:36 am

72/28

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

Post by lostdog » Tue May 14, 2019 2:17 pm

pascalwager wrote:
Tue May 14, 2019 10:03 am
bck63 wrote:
Mon May 13, 2019 7:03 pm
Hector wrote:
Mon May 13, 2019 6:53 pm
bck63 wrote:
Mon May 13, 2019 5:09 pm
In my taxable account, I mirror the Target Date Fund in my IRA to determine my mix of US/international. I figure the experts at Vanguard know more than I do, so I'll just follow along with them.
If they were experts, why would they work for anyone to earn paycheck?
My point is that they put a lot of resources into analyzing things like optimal allocation to international stocks. There is a ton of information out there on this subject. It can be overwhelming. I don't find myself qualified to weed through it all and make a decision I can be comfortable with. Therefore, I choose to trust someone. I figure the folks at Vanguard are trustworthy, so I pick them. Whether I'm right or wrong, time will tell.

Interestingly, they don't advocate an exact replica of the total world market. They favor tilting in favor of US. Their current allocation in my target fund is 60/40 US/international. Until recently my stock portfolio was 50/50. I have slowly decreased international allocation to 40%.
In their blog, they've mentioned a couple times that they believe in world market weight for both stocks and bonds, but they don't think the average Vanguard investor is ready for that right now.

I've been roughly 52/48 since 1995.
I won't be surprised if we see total stock and total international replaced with total world within the next decade.
I don't invest looking in the rear view mirror and I know absolutely nothing about the future. I invest in Vanguard Total World Stock Index.

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

Post by Gort » Tue May 14, 2019 2:44 pm

67/33
Last edited by Gort on Tue May 14, 2019 3:19 pm, edited 2 times in total.

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

Post by ruralavalon » Tue May 14, 2019 3:10 pm

lostdog wrote:
Tue May 14, 2019 2:17 pm
pascalwager wrote:
Tue May 14, 2019 10:03 am
bck63 wrote:
Mon May 13, 2019 7:03 pm
Hector wrote:
Mon May 13, 2019 6:53 pm
bck63 wrote:
Mon May 13, 2019 5:09 pm
In my taxable account, I mirror the Target Date Fund in my IRA to determine my mix of US/international. I figure the experts at Vanguard know more than I do, so I'll just follow along with them.
If they were experts, why would they work for anyone to earn paycheck?
My point is that they put a lot of resources into analyzing things like optimal allocation to international stocks. There is a ton of information out there on this subject. It can be overwhelming. I don't find myself qualified to weed through it all and make a decision I can be comfortable with. Therefore, I choose to trust someone. I figure the folks at Vanguard are trustworthy, so I pick them. Whether I'm right or wrong, time will tell.

Interestingly, they don't advocate an exact replica of the total world market. They favor tilting in favor of US. Their current allocation in my target fund is 60/40 US/international. Until recently my stock portfolio was 50/50. I have slowly decreased international allocation to 40%.
In their blog, they've mentioned a couple times that they believe in world market weight for both stocks and bonds, but they don't think the average Vanguard investor is ready for that right now.

I've been roughly 52/48 since 1995.
I won't be surprised if we see total stock and total international replaced with total world within the next decade.
This thread is just intended as a survey of the U.S./ex-U.S. asset allocations used by posters, not as a debate or discussion of reasons for allocations.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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

Post by pokebowl » Tue May 14, 2019 4:37 pm

My allocation floats with the market so I never need to worry about re-balancing bands, etc. As of May 14th, 54% U.S total market and 46% ex-US total market. In past years such as 2017 its been closer to 50/50.
Nullius in verba.

VAslim16
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Re: What is your U.S./ex-U.S. stock allocation?

Post by VAslim16 » Tue May 14, 2019 4:45 pm

50/50

Dottie57
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Re: What is your U.S./ex-U.S. stock allocation?

Post by Dottie57 » Tue May 14, 2019 5:00 pm

Floating between 80/20 to 70/30.

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

Post by Xanadu » Tue May 14, 2019 7:36 pm

Fifty fifty

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

Post by changingtimes » Tue May 14, 2019 8:45 pm

Feel guilty whenever I'm under 20% intl, feel nervous whenever I'm over 25%. Recently did a lot of weird dicing across multiple accounts to pull the % down closer to 20.

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

Post by TheTimeLord » Tue May 14, 2019 8:54 pm

International currently between 1%-2%. Flier on China Large Cap.
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Re: What is your U.S./ex-U.S. stock allocation?

Post by 272 Sheep » Tue May 14, 2019 9:04 pm

80/20

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

Post by miket29 » Tue May 14, 2019 11:58 pm

60% US / 40% ex-US

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

Post by life in slices » Wed May 15, 2019 5:26 am

70/30

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

Post by abuss368 » Wed May 15, 2019 8:11 am

southerndoc wrote:
Sun May 12, 2019 8:16 pm
I've seen a lot of discussion (even Bogle himself) mentioning how international stocks will outperform domestic stocks over the next decade.
Interesting and I am not aware Jack Bogle would have said this. Please share the link to any articles or interviews.

Thanks!
John C. Bogle: "You simply do not need to put your money into 8 different mutual funds!" | | Disclosure: Three Fund Portfolio + U.S. & International REITs

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

Post by atdharris » Wed May 15, 2019 8:28 am

I thought Bogle was a 100% US kind of guy?

I sway back and forth with emerging markets. Conventional wisdom says that that should be a high growth market, but it hasn't panned out that way.

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

Post by DaniaBeachGuy » Wed May 15, 2019 8:42 am

60/40

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

Post by sixtyforty » Wed May 15, 2019 10:18 am

100% US
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Re: What is your U.S./ex-U.S. stock allocation?

Post by southerndoc » Wed May 15, 2019 10:24 am

abuss368 wrote:
Wed May 15, 2019 8:11 am
southerndoc wrote:
Sun May 12, 2019 8:16 pm
I've seen a lot of discussion (even Bogle himself) mentioning how international stocks will outperform domestic stocks over the next decade.
Interesting and I am not aware Jack Bogle would have said this. Please share the link to any articles or interviews.

Thanks!
This was a misquote by my part and has already been addressed. Bogle was 100% US stocks.

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

Post by snailderby » Wed May 15, 2019 10:33 am

With 154 responses so far, the mean and the median is 30% ex-U.S. (with market weight counted as 50% ex-U.S.). Might be off by a point or two.

00%-09% - 19/154
10%-19% - 11/154
20%-29% - 41/154
30%-39% - 28/154
40%-49% - 15/154
50%++++ - 40/154
Last edited by snailderby on Wed May 15, 2019 10:45 am, edited 3 times in total.

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

Post by asif408 » Wed May 15, 2019 10:38 am

snailderby wrote:
Wed May 15, 2019 10:33 am
With 154 responses so far, the mean and the median is 30% ex-U.S. (with market weight counted as 50/50). Might be off by a point or two.
Just curious if you calculated how many here have overweighted international relative to US based on the global market cap. From what I can see, it's only a handful.

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

Post by snailderby » Wed May 15, 2019 10:44 am

asif408 wrote:
Wed May 15, 2019 10:38 am
snailderby wrote:
Wed May 15, 2019 10:33 am
With 154 responses so far, the mean and the median is 30% ex-U.S. (with market weight counted as 50/50). Might be off by a point or two.
Just curious if you calculated how many here have overweighted international relative to US based on the global market cap. From what I can see, it's only a handful.
I counted 3 posters (or 1.9% of the responses so far) who overweighted international:

65% ex-U.S.
68% ex-U.S.
90% ex-U.S.

Again, could have miscounted a few responses, so if someone has an updated count, please let us know! (And thanks to ruralavalon for the initial count!)

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

Post by ruralavalon » Wed May 15, 2019 11:05 am

snailderby wrote:
Wed May 15, 2019 10:44 am
asif408 wrote:
Wed May 15, 2019 10:38 am
snailderby wrote:
Wed May 15, 2019 10:33 am
With 154 responses so far, the mean and the median is 30% ex-U.S. (with market weight counted as 50/50). Might be off by a point or two.
Just curious if you calculated how many here have overweighted international relative to US based on the global market cap. From what I can see, it's only a handful.
I counted 3 posters (or 1.9% of the responses so far) who overweighted international:

65% ex-U.S.
68% ex-U.S.
90% ex-U.S.

Again, could have miscounted a few responses, so if someone has an updated count, please let us know! (And thanks to ruralavalon for the initial count!)
The survey will not be exact, some posts are a little ambiguous. Also I round off to the nearest 10%, and if 5% round up so a tabulation will likely overstate the Ex-U.S. average (there were many at 25%, rounded up to 30% when I tabulated).

By the way, the median of around 30% Ex-U.S. is very consistent with polls from prior years.

My guess is that some of those very high ex-U.S. allocations may be from posters domiciled outside the U.S.

I planned another tabulation around n = 200, a similar sample size to polls from prior years.
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carmonkie
Posts: 131
Joined: Fri Jun 29, 2018 4:31 pm

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

Post by carmonkie » Wed May 15, 2019 2:03 pm

DetroitRick wrote:
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.
Thank you!!

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