Posts  / #POST-032288
REDDIT

Roth is 80/15/5 VOO, VXUS, AVUV - time to alter my ratios temporarily?

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Feb 28, 2025 · 14:25

Obviously we all know all of the uncertainty in the market right now so I won't beat a dead horse, but I did want to get some other investors insights here (not traders/gamblers)

This doesn't seem like a normal dip and while I have faith the market will eventually recover in the long run,, I'd like to minimize loss and hedge my bets as best as possible

I was thinking maybe 70% VOO, 25% VXUS, and removing small cap for now (AVUV) and doing 5% bonds (BND). Or maybe a 75/20/5?

Since I'm already maxed out in my Roth, I would use next year's contributions to go back to my original ratio which was doing really well (depending on how the market shakes up in 2025 obviously). What's everyone else doing?

Or should I just stay the course?