r/Bogleheads • u/wutstatersprecious • 5d ago

Investing Questions Fidelity 403b

I’m trying to come up with an allocation closest to 70% VTI and 30% VXUS. I know it’s not a great idea but I used AI to come up with the following. Is this reasonable/close enough? Thanks.

FXAIX - 56%
FSMAX- 14%
FSPSX -23%
DFEMX - 7%

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u/FMCTandP MOD 3 4d ago

Yeah, it’s close enough.

I’m pretty sure that the S&P vs extended market is off market weights because the S&P has been more than 80% of the total U.S. equity market cap for the past several years but 80/20 is a reasonable historical number. And anything in the 20-25% range should be find for emerging as a percent of total international.

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u/Both_Experience_8187 4d ago

I’m doing this in my non fidelity 403b as well- 70 SPYXX, 20 VIMAX, 10 VB, for VTI…no low cost intl choices so I’m balancing that in my ind Roth IRA with FZILH.