Quote:
Originally Posted by Dunit35
I don’t have much in either as I just started this year. The SWISX is -$18. I do see the 4% gain but mines definitely not that. Like I said, I do have a police pension which is pretty solid. This Roth would only net me $150k or so if I do it right upon retirement age.
Do I just sell the SWISX shares and put them into a different one? I do an 80% SWTSX/20% SWISX. I only put $100 in it per paycheck. Maybe that’s my problem.
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Nothing wrong with $100 per paycheck (though more is always better in the long run). IMO, you're thinking of it wrong by focusing on this year's returns, though. Again, this year's performance means very little in predicting what will happen in the future.
80/20 US/Int'l is a pretty standard recommendation, so there's nothing wrong with just doing it as you are now. If you don't want international exposure, you can just go 100% US, but you lose a little diversification that way. As Buehler said, recent years have been good to the US compared to international, but there's nothing that says that couldn't change.