Diversifying a 3 fund portfolio while still aligning with the fundamentals...
I've currently got my investments between 3 different accounts, a self managed brokerage, an inherited IRA and an inherited roth IRA (this account represents 5% all invested in VIGAX). That breakdown as follows:
5% BND/BNDX
49% VTI
34% VXUS
7% VEU
5% VIGAX
I still want to follow the boglehead strategy for the most part, I still have a certain amount of risk tolerance (40 yo and would like to retire by 60 due to medical conditions and have been using money from dividends and mandatory RMD's to supplement my income) and don't need to go harder with bonds. But recent events has made me rethink my strategy, slightly.
Essentially, I don't feel super confident in tech or the entire US market in general due to P/E ratios and the chaotic nature of everything right now. I am interested in diversifying from VTI and invest into a US ETF that is more focused on blue chip stocks.
As far as my international exposure, I am interested in diversifying a percentage of that into an ETF that is invested in international holdings that might be shielded from some of the volatility of US markets.
Technically this will not be a 3 fund portfolio, something more like a 5 fund portfolio, but essentially following the advice of John Bogle's strategy and using Vanguard (I also have 2-3 years of cash on the side between HYSA, Money Market.. about 10% of what's invested in the market) For someone in my position, what could I look into? I would love to VTI and chill but it doesn't feel so chill and has forced me to rethink my risk tolerance, somewhat. I'm just interested in some general advice regarding what those options might be, but I'm also interested if anyone else is going through a similar decision making process as well as anyone with different or opposing opinions that I should take into account. Thanks!