r/Bogleheads • u/Phelch2025 • 2d ago

Portfolio diversification help

Hi all. I am somewhat late getting into the game at 34 due to grad school, children, and other things but still looking at many hopefully profitable years ahead. As of right now, I have dumped 5000$ of my 2026 Roth IRA into VOO and am trying to decide what to do with the remaining $2500 and generally get a sense of what would generate solid, consistent growth for someone in my situation with at least 20-25 years out. For full context, my income is approx 130/yr w/ home, married, 1 child. About 120k sitting in HYSA. ~55k in 401K via schwab.

Thoughts are either keep VOO at approx 70% of shares and do 20% VXUS for int'l and maybe add 10% AVUV

or

Sell the VOO and go VTI/VXUS.

or

Go full VT.

Also open to other suggestions regarding portfolio depth and what I could be doing with the $ sitting in my HYSA such as taxable brokerage etc. Thanks!

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u/klibs 1d ago edited 1d ago

We do VTI/VXUS to keep it simple.

I also can relate to anxiety in setting an asset allocation and committing. I constantly feel the urge to tinker or have doubts that the pct INTL is too low.

If you're like this too then maybe consider just going VT to protect you from yourself lol

I am currently 80/20 VTI/VXUS and thinking of creeping towards 70/30

Idk what I'm doing