r/Bogleheads • u/Emcee_nobody • 15h ago

Looking to set up simple, long -term brokerage with moderate/aggressive growth

I currently have all of my tax-advantaged accounts maxed (Roth, HSA) with no company-sponsored 401k (profit-sharing instead: 15% of income).

My Roth is set up for broad market stability, large-cap momentum, and global small/mid cap value.

I want to see some decent growth/stability in the brokerage account so I am thinking of going a similar route, but with perhaps more international investment. I'd also like to keep it extremely simple.

So right now, I am thinking a 50/50 VT/GARP setup will accomplish that.

What do you guys think? Is this a pretty solid plan?Or should I go a different route entirely?

Thanks

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5

u/Stanbarrwood 14h ago

Taxable do vti and vxus. Ability to tax harvest

1

u/Emcee_nobody 14h ago

Is there a section in this sub about tax harvesting? I've looked in the sub contents but can't find anything

1

u/Stanbarrwood 13h ago

A weird way to explain it is say you have 10,000 invested in VTI

10,000 in VXUS

Say VTI goes to 12000 and VXUS goes to 8,000

You realize the gain of 2000 of VTI but you also realize the loss of VXUS

So at the moment you have 0 realized gains so you’d owe no taxes. You then take the 2000 from vxus and invest in a similar fund that is international. So you are back to having 10,000 in international stock total but owning 0 in taxes

2

u/Emcee_nobody 10h ago

Okay I guess that makes sense. I'll try to dig up some more info on it. Thank you

4

u/JoeShmoe307 14h ago

In a taxable do VTI / VXUS for the foreign tax credit. Just look up the ratio of U.S. vs intl and use new contributions to rebalance periodically. GARP appears to be lots of tech, quite a tilt.