u/whatthewhat_007 ·
Reddit — r/investing
· April 02, 2026 at 16:46
· ⬆ 20 pts
· 💬 5 comments
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For reference I am 35. Plan to retire at 65-67. I contribute 19% of my gross income to this fund. I have no other retirement funds/accounts.
My current retirement funds are:
Vangard Institutional Index (VOO equivalent)
Vangard Total International Index (VXUS equivalent)
Vangard Extended Market Index (VXF equivalent)
2019 my new contributions were being allocated as such:
VOO: 70%
VXUS: 20%
VXF: 10%
2020 I started adding more to VXF solely on the premise that lower interest rates would benefit the small caps. Since 2020, my contributions have been:
VOO: 60%
VXUS: 20%
VXF: 20%
That strategy blew up with the post-COVID inflation and rate hikes as VXF took the biggest hit out of the 3 in 2022. It's underperformed since that time as well, probably in large part due the explosion of the mega-cap tech stocks. I'm thinking about decreasing my VXF contributions and increasing VOO, VXUS, or both. Any thoughts on what your approach would be?