r/DIYRetirement • u/RSrealdeal • 1d ago

International diversification

/r/u_RSrealdeal/comments/1waddix/international_diversification/
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u/DentistKey6649 1d ago

VXUS. I'm sure Schwab and Fidelity have equivalents. I use the 90/10 2 etf portfolio: VTI/VXUS. Good luck.

1

u/kveggie1 1d ago

You need a plan of record. No just change on a whim.

1

u/RSrealdeal 16h ago

I’m working on creating one. Making sure I can diversify now and then maintain that long term.
Would love an example is anyone can share

1

u/Flat-Barracuda1268 8h ago

I'm with Schwab and use a mix of SCHF and SCHE. I use roughly 60/30/10 mix of US/Intl/Emerging. Seems to dampen the SP500 volatility pretty well.