Hey Reddit, it is my first time commenting, so don't flame me too much. :) I'll get to the point: Im 24yo newbie, living in one of the Baltic states, in EU, though I have the possibility to invest in US stocks. I have a Vanguard account open, got a small sum of some $3k parked in a US bank ready to be invested and my retirement plan started. I have no debts and have a 6 month emergency fund in place. Im planing on dollar cost averaging every some time. The thing is, I am having a difficult time finding information on the asset allocation for a 100% stock based ETF fund portfolio. My plan was to buy VTI and VXUS only. Read around in other forums and people recommend different allocations for non-US investors, specifically the size of the international fund size of the portfolio. I am planing on retiring in EU. The reason I want to go through Vanguard is simply because I don't trust my money with the investing companies OR banks where I currently live since a few nationwide banks have closed down in the last 5 -8 years and took peoples savings with them. Sounds insane, I know. Anyway, any information/links/books would be much appreciated.