For reference I am 35. Plan to retire at 65-67. I contribute 19% of my gross income to this fund. I have no other retirement funds/accounts.
My current retirement funds are: Vangard Institutional Index (VOO equivalent) Vangard Total International Index (VXUS equivalent) Vangard Extended Market Index (VXF equivalent)
2019 my new contributions were being allocated as such: VOO: 70% VXUS: 20% VXF: 10%
2020 I started adding more to VXF solely on the premise that lower interest rates would benefit the small caps. Since 2020, my contributions have been: VOO: 60% VXUS: 20% VXF: 20%
That strategy blew up with the post-COVID inflation and rate hikes as VXF took the biggest hit out of the 3 in 2022. It's underperformed since that time as well, probably in large part due the explosion of the mega-cap tech stocks. I'm thinking about decreasing my VXF contributions and increasing VOO, VXUS, or both. Any thoughts on what your approach would be?