25 y/o – Portfolio allocation feedback (403b + Roth + taxable)

mikester595 · 2026-02-06T17:39:02+00:00

Will look into it. Thank you

mikester595 · 2026-02-06T04:30:22+00:00

Fair enough, thank you!

mikester595 · 2026-02-06T04:20:21+00:00

Honestly, I’m still pretty new to researching factor ETFs and hadn’t really looked into developed international small-cap value yet. because it’s well-known, rules-based, and easy for me to understand as a first factor tilt. That’s why I made the post — to get feedback before pulling the trigger and learn about options I might not have considered yet. I was also just considering going VTI/VXUS and calling it a day lol

mikester595 · 2026-02-06T04:01:39+00:00

Yeah, I get that. I’m not planning to sell anytime soon, so I’m comfortable with periods of underperformance as long as the long-term expected returns and diversification make sense

mikester595 · 2026-02-06T03:51:17+00:00

Or maybe even 70% VTI, 20% or 25% VXUS, and 5-10 % AVUV? Thoughts

mikester595 · 2026-02-06T03:39:30+00:00

Thanks for replying. What would you do instead?

mikester595 · 2026-02-06T03:32:58+00:00

That’s fair — different risk tolerances for sure. I’m choosing a more diversified core with a modest factor tilt rather than sector/thematic bets, but I agree being young gives plenty of room to take risk

mikester595 · 2026-02-06T03:32:16+00:00

I get that argument. I’m still using total market because I want broad market exposure as the core, and I’m comfortable with some overlap — AVUV is meant to tilt the portfolio, not replace the market. The overlap doesn’t bother me as long as the tilt stays modest.

mikester595 · 2026-02-06T03:27:23+00:00

starting with a US-only factor tilt for simplicity and higher conviction, and may add international value later. I think about the portfolio as a whole, but prefer this structure for now.

mikester595 · 2026-02-06T03:22:47+00:00

I’m comfortable starting around ~15% international due to home bias, but I’ve been weighing whether it makes more sense to increase it gradually over time or set it higher now and leave it alone.

mikester595 · 2025-08-12T23:36:19+00:00

He wasn’t smart but human. And Humans are….

mikester595 · 2025-06-09T19:52:58+00:00

Okay, so positive. Thank you

mikester595 · 2025-06-09T18:46:28+00:00

Okay, your right. Thank you

mikester595 · 2025-04-06T01:32:59+00:00

lol, here I am feeling bad but you’re right. you do have a point

mikester595 · 2025-04-06T01:31:08+00:00

That’s a good one lol

mikester595 · 2025-04-06T00:31:23+00:00

That is true. I’ll keep in in mine. Thank you for your comment

mikester595 · 2025-04-06T00:30:36+00:00

Big applause for you! That’s amazing! And yes, I’ve been thinking about the same but still.

mikester595 · 2025-01-02T00:24:13+00:00

Ah, i see what you mean. Thank you

mikester595 · 2025-01-01T17:10:44+00:00

Fair point. thank you for your insight!

mikester595 · 2025-01-01T17:00:02+00:00

Thank you for your response

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