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Joined 2 years ago
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Cake day: June 12th, 2023

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  • how much international stock to have vs domestic stock is almost a religious war at this point. Pick whichever you like (I like 0% international personally), and then stick with it. The most important variable will really just be the Equities vs Bond ratio; and even that is nibbling around the edges unless you’re making 1000basis point changes (shifting from 10% to 20% in your case). And stick with that too unless YOU have a reason to change it, not because you think the market has a reason for you to change it, such as becoming more risk averse due to age, life circumstance, etc.

    ETA: FWIW at 30yo, even 10% bonds might be unnecessary. But that depend on you and your risk tolerance and when you expect to need that money.