Is there any material difference between these two allocations?

**For the next 40+ years:**

100% VTI

Or

80% VTI & 20% VXUS

I don’t wish to increase my international exposure beyond 20%, but I don’t know if 20% will make that much of a difference anyway. What would you do?

*Type type, type type. I now meet the 250-character requirement for a post…* 🙂‍↔️