Really unfair to compare FTIHX/VTIAX with FZILX. VTIAX returned 6.6116% while VFWAX returned 6.35135%. VTIAX is International (including small caps). Read https://www.whitecoatinvestor.com/expense-ratios/ for more on this. In a tax advantaged account: You can opt any of them. But nobody really knows what will happen the next few decades... VTWAX is the ultimate in laziness for equities, let the market sort out where you should be. The index funds tracking it have much higher fee for 2% less market cap portfolio than a US Total Market Index. Are you going to be able to be rebalance fast enough? VXUS and VTIAX have the same expense ratio: 0.04% . I thought market cap is significantly higher than 40% international? When I make portfolio changes, I generally implement "change" through the funds that I add to the portfolio. Try not to overthink it, although I know that's easier said than done. I would argue that they are not. Within the Vanguard … A 30-40% allocation is perfectly fine, though — a moderate home country market bias. Let's also compare FZILX for another data point: FZILX: $9,423.70 (the new international fund), FSGGX: $9,419.02 (the old Fidelity international large-cap and mid-cap stock market index fund), FTIHX: not in Morningstar, unfortunately (the old Fidelity total international index fund). If you know you want X% of International, then you buy VTSAX and VTIAX with whatever % you want. In a regular account: ITOT, VTSAX, VTI, SCHB makes sense. VFWAX … Think about how COVID suddenly shifted VTSAX towards tech. Learn about VTWAX with our data and independent analysis including NAV, star rating, asset allocation, capital gains, and dividends. Isn't the whole point of adding international to minimize risk not maximize gains? Sometimes I think it is too high, sometimes too low. Both types of International trackers are so similar the 0.11% guaranteed seems a better choice. It has the minimum investment requirement of $10,000 . Within … A static percentage of international stock is not the answer. It's that simple. My understanding is that VTWAX automatically adjusts percentages of Domestic vs International based on current market weights of each. Had VFWAX had 0.11% less fee, VFWAX would have compounded 6.7216% while VTIAX only 6.35135%. VTIAX returned 6.6116% while VFWAX returned 6.35135%. If you are more biased to US companies, thinking the environment is better for fostering companies in their growth stage, then you might want to tilt toward VTSAX, or vice versa. See Vanguard Total Intl Stock Idx Fund (VTIAX) mutual fund ratings from all the top fund analysts in one place. Considering FZILX probably started with cash lag (funds generally when it first opens for a month or two are not as efficient at following the index), I think I can safely conclude that FZILX follows pretty damn faithfully to its respective indexes. Historically, in a 10 year period, VTIAX returned 85.11% while VFWAX returned 89.69%. I also did a lot of research on this but came to a different conclusion. FZILX should be compared more with FSGGX or VFWAX. Current and Historical Performance Performance for Vanguard Total International St on Yahoo Finance. This fund has 9 other funds which are extremely similar to it. There are 508 stocks in the index, … The two indexes are very similar; the change is primarily an attempt to avoid the higher licensing costs charged by MSCI. But are they “substantially identical” in the eyes of the IRS? So, why not just own the whole damn thing and focus your life on more interesting things! The % is all that matters. So Russell 3000 should have virtually the same returns as a US Broad Market Index. However, when I compared VTIAX and VFWAX… These numbers are only really applicable over the long run for a tax-advantaged account like an IRA or 401(k). Where she mentioned that VTIAX was the usual international Vanguard fund, which is why I have it. As the name suggests, the S&P 500 is composed of the largest 500 publicly traded companies in the U.S. Alternatively, I believe I'll get hit with a fairly nasty capital gains tax if I sell VTSAX and buy VTWAX, as most of my portfolio is in a standard brokerage account. The Vanguard Total International Stock Index Fund is currently transitioning from tracking the MSCI ACWI ex USA IMI Index to the FTSE Global All Cap ex US Index (say that 5 times fast!). Bogleheads are die-hard fans of Jack Bogle and index fund investing in general - Jack Bogle founded Vanguard, is the father of index funds and an all-around inspiration for people who want to engage in passive investments (generally stocks and bonds) for a long-term return that will beat active alternatives. VTWAX is easier. :). There are 509 stocks in the index, … You will also be less subject to currency fluctuations, and still get a good chunk of exposure to international markets via companies’ revenues. $67,926 MM 0.11 % VTIAX 3.9 % 11/29/10 0569 Investment objective Vanguard Total International Stock Index Fund seeks to track the performance of abenchmark index that measures the investment return … Here's how a $10,000 investment would be doing: FSKAX: $9,206.36 (the old Fidelity total stock market index fund). I looked up VTIAX and it has a 5 year return of 2.77%? So for the past 10 years, having a bit more large caps paid off over small caps in the International. VTIAX - Vanguard Total International Stock Index Fund. They're probably fine but those in-house indexes don't have long enough of a track record to say anything meaningful just yet. VFWAX: $16,913. Less than 10% won't make any difference, and more than market cap weight is tilting where you probably shouldn't be tilting. 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