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The tricky part is which total market index funds? The S&P based ones are too AI focused, and don't give you the diversification they once did. You also don't want to invest in just one countries stock market. And bonds, should be a mix of maturity, governments (not just the US), corporate, etc.

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Total market is total market. Investing in a “total market minus X” fund means you lose exposure to X (whatever that is) for good or bad. That’s your judgment call, but not really an edict. Same problem with “you can’t just invest with US stocks” - US stocks are global at this point, and have significant exposure to the international market. By investing in specific international funds you’re more or less saying “international minus the US”.

You can change your weighting if you want to, that’s your prerogative, but don’t be surprised if it doesn’t lead to nearly as good of average returns.

VT and chill

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