Target Allocation: VT approximate market weight
66% VTI
34% VXUS
US:
29% VTI
9% VOO
24% RSU stock(sp500 tech, vested)
(62% US / Large Cap amalgamated)
INTL:
38% VXUS
My rebalance strategy is to sell as much RSU as possible every year without incurring tax burden - this will probably take me several years to deplete.
I buy into VTI / VXUS monthly / bimonthly in a ratio derived by a weighted target based on the distance to my allocation.
Eg: 70/30 split for every dollar to VTI/VXUS.
Am I making a big mistake to 'count' my RSU as 'equivalent' to VTI exposure, if I exclude it then I am extremely underexposed to US / Tech equities.
Is weighted purchases over time to slowly get me to allocation % a good approach or should I just stop buying my overweighted allocations entirely and purchase 100% my underweights? I worry about market timing issues with that approach.