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Second this… or VTI is the ETF equivalent. It’s all I do now.

No VXUS/VTIAX? I am looking to debate its merits in one's portfolio, since it's such a hotly contested topic in some communities e.g., Bogleheads.

I try to maintain some arbitrary split between the two, but I do not have a ton of faith in Int. overtaking the US market anytime soon, but I am often wrong about most things, so that's why I ignore my gut feelings.

I am bullish on the US long term. Other developed countries have a population problem which is going to start causing issues. Sub 1.0 birth rates are a catastrophe for capitalism. The US has enough immigration to keep the population somewhat level.

They're fine. I just don't for two reasons: (1) VTI/VTSAX is already internationally exposed (and has a slightly smaller expense ratio), and (2) I like to keep things as simple as possible, particularly if there are no huge benefits. These two points have lead me to just settle on VTSAX/VTI.

It may be slightly suboptimal. I don't know.

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