I want to simplify and diversify my investments. I am considering moving towards a 4-fund portfolio with a focus on growth, since I am currently 23.
Thoughts on the growth potential, diversity and overlap of these securities?
VTI — 25%
VUG — 55%
VXUS — 10%
TLT — 10%
I think this provides a decent diversification across US, international markets, and bonds with little overlap. Over time I would be increasing my bonds:stocks ratio. Probably to 30:70 by retirement.
I have about $21,000 to work with currently. I am adding ~$2,000/month.
Let me know if you would change or balance anything differently.
Thanks!
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