{ "media_type": "text", "post_content": "Had my 401k in all VINIX last year, and it served me well. I rebalanced to 20% large cap, 20% mid cap, 20% small cap, 20% Int’l, and 20% bonds. The Int’l diversification is pulling me down significantly. Would you shift that 20% back to large cap or just say it will payoff later to diversify? My IRA is pretty yeah heavy, so trying to be mindful.", "post_id": "60a1e1fa34ffb200292742d3", "reply_count": 5, "vote_count": 1, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early" }

Had my 401k in all VINIX last year, and it served me well. I rebalanced to 20% large cap, 20% mid cap, 20% small cap, 20% Int’l, and 20% bonds. The Int’l diversification is pulling me down significantly. Would you shift that 20% back to large cap or just say it will payoff later to diversify? My IRA is pretty yeah heavy, so trying to be mindful.

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I pulled back on international for now. Will revisit again next year, but don’t see any upside right now in diversifying internationally (I rather see a downside with every day I did have it diversified). Generally, international diversification is important, of course, but not sure that’s the case in 2021. If you can afford a drop, in case something goes wrong, and wait it out, I’d pull the international ones for now and focus on domestic and revisit in a few months.

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Entirely personal choice. I’m roughly 80/20 domestic to INT’L because I think there will come a time when the US performance isn’t as dominant and don’t want to get screwed. Is it really worth it? I don’t know, but my portfolio is $150k and I’m 27 so I don’t think it’s worth me worrying about right now.

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Both domestic and international are fine. In the long run, both will be winner. It’s about relative performance between the two

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I removed international exposure in 2015 and won’t add again until our economy cools off. Even then I might not. No bonds for me either. I’m young (31)

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When you rebalance, do you pull your money out of those funds and put into a new one, or do you just stop contributing to the “old” fund

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