Quote:
Originally Posted by Dunit35
I don’t have a lot of money in my Charles Schwab account but noticed I’m down 3% for the year on SWISX international index. Should I stop putting money into it? I’m up 13% on SWTSX total stock market. I don’t know a thing about this stuff and have a much better police retirement I pour money into.
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Did you only start investing midway through the year?
SWISX is up 4% YTD, and
SWTSX is up 27%, so your returns don't seem right. I'm guessing whatever number you're looking at includes at least some investments that were made when the market was on a high and you just got unlucky with timing.
As for the broader question of allocations, short-term, past performance doesn't really suggest anything about future performance. In 2022, SWTSX lost 20% vs. 14% for SWISX, so there are some years where international stocks are a better bet. I personally go heavy on U.S. stocks (generally around 80/20 for US/international for my stock allocation), but your choice there comes down to risk tolerance. Regardless, the common recommendation is to figure out an allocation and stick with it rather than reacting to short-term performance.