{"id":19313,"date":"2025-01-09T15:35:07","date_gmt":"2025-01-09T15:35:07","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/should-i-own-less-international-stocks-2024-year-end-my-money-blog\/"},"modified":"2025-01-09T15:35:07","modified_gmt":"2025-01-09T15:35:07","slug":"should-i-own-less-international-stocks-2024-year-end-my-money-blog","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=19313","title":{"rendered":"Should I Own Less International Stocks? (2024 Year End) \u2014 My Money Blog"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/globe.jpeg\" alt=\"\" width=\"720\" height=\"480\" class=\"aligncenter size-full wp-image-82093\" srcset=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/globe.jpeg 720w, https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/globe-300x200.jpeg 300w, https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/globe-180x120.jpeg 180w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/p>\n<p>The most common reader question about my personal portfolio is definitely the fact that the allocation to international stocks has been a drag on performance relative to owning 100% US stocks.   This is kind of a repeat topic, so I won\u2019t dive into the full debate again, but wanted to offer some expanded and updated thoughts to my response to a <a href=\"https:\/\/www.mymoneyblog.com\/mmb-portfolio-asset-allocation-performance-2024-year-end.html#comment-387354\" target=\"_blank\">comment<\/a> from reader John.   All numbers below are taken as of January 2025.<\/p>\n<p>The divergence between the performance of US stocks and the rest of the world started around 2009, which of course coincided with most of my investing lifetime so far. \ud83d\ude12   Here\u2019s a chart from the Bloomberg article <a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2024-05-30\/us-stocks-have-ruled-but-don-t-give-up-on-international-diversification?accessToken=eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJzb3VyY2UiOiJTdWJzY3JpYmVyR2lmdGVkQXJ0aWNsZSIsImlhdCI6MTczNjE5NTg2NiwiZXhwIjoxNzM2ODAwNjY2LCJhcnRpY2xlSWQiOiJTRUFTMEtEV1gyUFMwMCIsImJjb25uZWN0SWQiOiI5MDg4QURCRTJFRjE0OTE5OEQwRTlDMkNGNUU1OEVFMCJ9.i-3hmExMsUzdjsP8VMPnOQgkVU49JnNWflY4gsBSEg4\" target=\"_blank\">Global Diversification Has Disappointed. Don\u2019t Give Up on It<\/a> (gift article for next 7 days).   Worth a read.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/world2024ye1.gif\" alt=\"\" width=\"720\" height=\"430\" class=\"aligncenter size-full wp-image-82085\" \/><\/p>\n<p>As noted in my portfolio updates, my asset allocation floats along with total world market cap breakdown, as tracked according to the <a href=\"https:\/\/investor.vanguard.com\/etf\/profile\/portfolio\/vt\" target=\"_blank\">Vanguard Total World Stock ETF<\/a> (VT).   I remember a time when it was only 45% US and 55% Rest of the World (World ex-US).   As of the end of 2024, it is now at 65% US and 35% World ex-US.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/world2024ye3.gif\" alt=\"\" width=\"720\" height=\"408\" class=\"aligncenter size-full wp-image-82088\" \/><\/p>\n<p>In practical terms, this means that I used to own about the same amount of Vanguard Total US Stock Market ETF (VTI) and Vanguard Total International Stock ETF (VXUS), a 1:1 ratio.    But as of the end of 2024, I now own about double the amount of VTI relative to VXUS, a 2:1 ratio.  So my performance isn\u2019t exactly that of the chart above due to ongoing investments over time, but it\u2019s still been much lower than if I used owned 100% US stocks.<\/p>\n<p>I can\u2019t change the past.  The question is: <strong>Should I change my asset allocation <em>now<\/em>?<\/strong><\/p>\n<p>Let\u2019s look closer.  A significant chunk (not all) of the outperformance has been due to a higher P\/E ratio.   Below is a <a href=\"https:\/\/yardeni.com\/charts\/forward-p-es\/\" target=\"_blank\">Yardeni chart<\/a> of the P\/E ratio of US stocks vs. International stocks.   The gap looks like the greatest in 25 years.  Can this trend continue?   I don\u2019t know, and I don\u2019t think anyone really knows.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/world2024ye2.gif\" alt=\"\" width=\"720\" height=\"403\" class=\"aligncenter size-full wp-image-82086\" \/><\/p>\n<p>Are US stocks simply a better investment, forever?   They might be.   The US definitely offers a very business-friendly environment overall.   That\u2019s why I just let it float.   If the US manages to continue this outperformance in the future, then one day my allocation might grow to 75%\/25% (3:1 ratio) or even 80%\/20% (4:1 ratio).   My portfolio adjusts.<\/p>\n<p>This is the same theory as owning all of the companies in a market-weighted S&amp;P 500 index fund: you own all the winners, and you also own the losers, but owning the winners is good enough to pull everything up overall.   If the US keeps being a huge winner, I\u2019ll own a lot of the US.    If not, I still own the entire haystack.  Therefore, I plan to continue holding a chunk of international stocks according to the investable market-cap float with maybe a slight home bias.<\/p>\n<p>I could sit here and lament how big my portfolio would have been if I had bet on 100% US for the last 15 years, but honestly the stock markets have been kind to me as a business owner (although I\u2019d say at the expense of the average worker bee) even with my international stocks and bond holdings.    The 10-year trailing average annualized return has been 9.33% for VT vs. 12.50% for VTI.  Owning a mix of winners and losers has still worked out just fine, and I was covered in case history turned out differently.   I have no complaints.<\/p>\n<p>Photo by <a href=\"https:\/\/unsplash.com\/@andrewtneel?utm_content=creditCopyText&amp;utm_medium=referral&amp;utm_source=unsplash\">Andrew Neel<\/a> on <a href=\"https:\/\/unsplash.com\/photos\/beige-desk-globe-on-white-desk-K7JEYFDictM?utm_content=creditCopyText&amp;utm_medium=referral&amp;utm_source=unsplash\">Unsplash<\/a><\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>The most common reader question about my personal portfolio is definitely the fact that the allocation to international stocks has been a drag on performance relative to owning 100% US stocks. This is kind of a repeat topic, so I won\u2019t dive into the full debate again, but wanted to offer some expanded and updated [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19314,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[3767,3006,832,11046,629],"dealstore":[],"offerexpiration":[],"class_list":["post-19313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-blog","tag-international","tag-money","tag-stocks","tag-year"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should I Own Less International Stocks? (2024 Year End) \u2014 My Money Blog - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=19313\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Should I Own Less International Stocks? (2024 Year End) \u2014 My Money Blog - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"The most common reader question about my personal portfolio is definitely the fact that the allocation to international stocks has been a drag on performance relative to owning 100% US stocks. 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