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REDDIT

Switching more to international funds in my 457b?

M
Mar 15, 2025 · 19:51

Currently my 457 is set to 47% large cap, 32% international, then a small amount each of mid/small/bonds/cash.

With the massive geopolitical shifts that are happening in the world now, I’m thinking about going much heavier into international funds. Of the five international funds I have available to pick from, the only one with a low expense ratio is the Vanguard Total International Stock Index Fund. I have about 20 years left in my career. Is this a reasonable thing to do?

Also from October 2019 until now my total rate of return has only been 10.9%. Why is this so low compared to what the S&P has done in that time?