I want to start a portfolio using VTI and VXUS. I choose these two funds over VT because of reasons listed here: Tax optimisation for ETF investing
I am still not sure about what allocation I should choose, should I just mirror VT every year? e.g. currently ~56% US 44% exUS?
Doesnt holding VT make more sense, because the allocation is adjusted automatically on the fly?
So lets say I go with the 56%US/44%exUS split now. and in 5 years time lets say VT is 49%US and 51%exUS, and I never adjust it, wouldn’t have holding VT all this time, made more sense and a greater return?
What would your guys strategy be for a VTI/VXUS(or VEA) Portfolio?