VTPSX

DeutscheMannschaft

OP. I had some of the same thoughts you do. I think what it comes down to is what you believe will happen at the macro-economic level and at the general mechanical level. So the first items I would square away if I were you is what you think the world will look like in 5-10 years. The second question you have to ask yourself is where you think the USD will be in 5-10 years. And the last question you should ask yourself is whether you can identify any parts of your portfolio that feel overconcentrated (aka undue risk). In late 2024, I was invested roughly 80% US and 20% ex-US (all equity). When Trump began his presidential term and I saw the push towards tariffs and hostile language towards allies, I changed this allocation to roughly 50/50. In early 2026, I changed it again to about 25% US and 75% ex-US. The reason I did so is that I believe the following: \- In a big recession, no country will be spared, but I believe the US will be impacted worse than other countries as a whole due to our dependence on AI (in terms of stock market value). \- Our current policies will devalue the dollar (currently only temporarily masked by high oil prices, which are settled in USD). \- Our current policies are driving trade partners and allies away from doing business with us and towards isolating the US. (see yesterday's reception of Carney at the EU and our President's reaction) \- Our current policies are driving trade partners and allies to develop software, services and products that will replace those from the US because there is fear that dependence on private corporate US services and products may be used as a way to blackmail later (i.e. the EU is developing a payment system that will replace VISA and MC, France has banned use of Microsoft products on government equipment, and Germany is manufacturing more arms/weapons rather than to buy US as the EU gears up to have defensive capabilities in case of Russian aggression). \- The US has benefitted from being perceived as "cool" for decades, but that sentiment has shifted drastically as of late, and the future diminished cultural influence will also dampen the ability of US companies to sell internationally. So I looked at all of those factors and decided to go much heavier into funds and ETFs that give me roughly a 75/25 country allocation. Beyond that, I buy the whole market and don't pick stocks. I combine VT, VTMGX, VTPSX, and VFIAX (due to multiple accounts that don't have all funds available) to get me to the allocation I am shooting for. As a result of these moves, my exposure to high-risk tech companies like Tesla, SpaceX, Nvidia, Oracle (Anthropic and OpenAI in the future) is significantly less than if I were invested in the S&P, but I still have some exposure so that I don't miss all the upside if there is any. Obviously, there are other ways to achieve the same objective (like equal weighted funds/ETFs), so you should do your due diligence.

tragedy_strikes

VIIIX is 5.7% YTD [https://investor.vanguard.com/investment-products/mutual-funds/profile/viiix](https://investor.vanguard.com/investment-products/mutual-funds/profile/viiix) VTPSX is 10.07% YTD [https://investor.vanguard.com/investment-products/mutual-funds/profile/vtpsx#portfolio-composition](https://investor.vanguard.com/investment-products/mutual-funds/profile/vtpsx#portfolio-composition)

AdDismal9686

American here - I moved all of my money into EU ETF’s and VTPSX (Vanguard Total International) after the 2024 election. I’ve outperformed the domestic stock fund equivalents and the S&P.

Swearwolfofwallst

all-world VTIAX VTPSX ACWX Europe VEUSX VYMI Emerging market VWO

Hot_Working_7751

Presuming you are 35, and you want to retire when you are 60. Use: VFIFX. If you want to follow the S&P 500, use VFTAX. To divest in some other well performing indexes here are some others VTPSX, VIGIX, VMVAX, VVIAX.

raunchy-stonk

Thanks for your reply. Here's what I'm thinking, let me know your thoughts: 46% - VIIIX 36% - VTPSX 8% - VSMAX 5% - VBMPX 5% - VTABX

MONGSTRADAMUS

If you are fine with roughly 90/10 stock to bonds and 60/40 domestic international its a pretty good option. If you want to roll your own you have a few options on doing it with VIIIX, you can either do 82/18 with extended market or 85/15 with small cap index to approximate us total market. You can just use VTPSX for international exposure and either just VBMPX or combo of VBMPX and VTABX for your bond exposure. Rolling your own you get flexibility of the asset allocation but can be a bit more difficult to deal with since there are many more parts. [Here](https://www.bogleheads.org/wiki/Approximating_total_stock_market) is a short guide on how to approximate us total market if you want to market cap weight your portfolio.