I rebalance back to 50/50 regularly using new cashflows, and also at least once annually. For simplicity, I chose to own VTI and VXUS in a simple 50/50 ratio as part of my target asset allocation. Basically, for every $10,000 that you put into a VT, for example, $8 of that will go towards administrative purposes. Your Canadian equity allocation in VTI/VXUS is only about 3.35% (or $6,700 out of $200,000). But Roth’s idea of keeping it simple applies to everyone. VXUS has a higher expense-ratio at 0.08% compared to VTI’s 0.03%. VXUS allocates 23% to emerging markets, 40% to Europe and 30% to the Pacific region. Here’s where the big differences of VT and VTI come into play. ... Disclosure: I am long VTI and VXUS. 60% Vanguard Total Stock Market ETF (VTI) 30% Vanguard Total International Stock ETF (VXUS) 10% Vanguard Total Bond Market ETF (BND) The asset allocation between the funds is clearly intended for a younger, more aggressive investor. As of August 31, 2011, the world market value breaks down to about 42% US and 58% Ex-US. Compare ETFs vs. mutual funds. Specifically, they showed that for a 60/40 portfolio during the period 1985-2013, diversifying internationally with fixed income resulted in a reduction of volatility as measured by standard deviation from 9.5 to 9.4, a reduction of 1%. VXUS is an ETF that gives investors broad exposure to global stock markets, while VTI is focused only on U.S. securities. It is often used as a simple benchmark for a balanced asset allocation. The rest goes to North America, the Middle East and other … See the full list here. In terms of performance, VTI has historically yielded significantly higher returns with a compound annual growth rate of 13.04% than VXUS at 4.72%. VT’s expenses ratio is .08%, and VTI’s expense ratio is .03%. I don’t think it’s necessary to sell VTI/VXUS and buy ITOT/IEFA/IEMG. This infographic is the property of How To FIRE LLC. See how 9 model portfolios have performed in the past. And just like VTI, using the ETF makes adding a swath of international stocks a simple process. 美股:VTI 40%; 全球(除美國):VXUS 40%; 美債:BND 20%; Rick Ferri 也提到美股與全球(除美國)的分配可依照個人偏好、匯率波動調整。 全球股市與美國債市加不動產. Bonds are a separate discussion. Vanguard Total Stock Market ETF (VTI) Vanguard Total International Stock Index Fund (VXUS) Performance Overview The 60/40 stock/bond portfolio is a well-balanced investment portfolio. ratio³ 60/40 Domestic equity Total Stock Market VTI 0.03% 35.3% International equity Total International Stock VXUS 0.09% 23.5% Domestic fixed income Total Bond Market BND 0.035% 27.4% International fixed income Total International Bond BNDX 0.09% 11.8% Money market fund 2.0% Weighted average expense ratio 0.05% Get answers to common ETF questions View daily, weekly or monthly format back to when Vanguard Total International St stock was issued. Discover historical prices for VXUS stock on Yahoo Finance. 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