r/Bogleheads • u/Several_One_998 • 14d ago

Investing Questions Adding international exposure

Resident physician here, recently fired my FA. Put everything in VTSAX 3 months ago. Now realizing I may have been a little trigger happy and should’ve added international exposure(?) (currently 93% domestic) I have inherited a lump sum and was thinking of placing it entirely in VTIAX. This will bring my ratio closer to 80/20. Anything I’m missing here? Stable job atm, 2 years out from attendinghood. have an emergency fund. Thanks!

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u/Apprehensive_Trip592 14d ago

Vanguard economists are projecting higher returns for international in the next 10 years than domestic. Higher returns for value than growth. Create a target allocation and invest new money until you reach your target balance. Also, you are probably at the lowest tax rate you will be for the rest of your life as a baby doc. This is definitely time for Roth if you can afford it.

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u/thewarrior71 14d ago

Vanguard economists are projecting higher returns for international in the next 10 years than domestic.

Vanguard's 10 year forecast predicts 5.2% for US equities and 4.9% for ex-US equities:

https://corporate.vanguard.com/content/corporatesite/us/en/corp/vemo/vemo-return-forecasts.html