Most investors focus almost exclusively on U.S. stocks, leaving 40% of the global market untapped. This newsletter dives into the overlooked world of international investing, showing how a simple allocation to global ETFs like $VXUS ( ▲ 0.65% ) S, $VEU ( ▲ 0.64% ) , and $IXUS ( ▲ 0.69% ) can bring diversification, cost-efficiency, and income to your portfolio. Learn how to make one small decision today that could shape your financial future for decades.

Let’s embark on this transformative journey together and position your portfolio for success in this evolving market landscape!

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You already know how crowded the U.S. investing conversation can feel—tech stocks dominate headlines, index funds are celebrated as the default strategy, and every second opinion says "just stick with the S&P 500." But here’s what most investors overlook: the U.S. market, as massive as it is, only represents about 60% of global market capitalization. That means 40% of the investable world is being ignored when portfolios are limited to U.S. stocks.

What does that really mean for you? Think of it this way: if you were building a basketball team but only recruited from one city, you might find talent—but you'd be leaving out the rest of the world’s best players. The same goes for investing. Outside U.S. borders lie companies like Taiwan Semiconductor, powering global technology; Tencent, leading Asia’s digital payments; SAP, the backbone of European enterprise software; and ASML, a Dutch giant that makes the machines behind cutting-edge semiconductors. These aren’t small players. They’re titans shaping industries everywhere, and without international exposure, your portfolio risks missing them entirely.

That’s why international ETFs matter. They give you one-click access to thousands of companies across continents, helping you capture innovation and growth beyond the U.S. But here’s the catch: with literally thousands of international ETFs available, the real challenge isn’t knowing why to invest abroad—it’s knowing which funds actually deserve a place in your portfolio.

Let’s cut through the noise. After going directly to verified data from Vanguard and BlackRock, three international ETFs stand out. They aren’t “hidden gems” or obscure niche plays; they are institutional-quality funds that provide global exposure at scale.

This is diversification on steroids. VXUS is the heavyweight, owning nearly 9,000 companies across every region outside the U.S. That means exposure not just to large multinationals but also to the small and mid-sized companies that could be tomorrow’s growth stories.

VEU is the minimalist assassin. By trimming down its holdings relative to VXUS but keeping costs razor-thin, it’s the cost-efficiency king. Over decades, that 0.04% expense ratio compounds into real money staying in your account instead of slipping away.

IXUS introduces a twist—income. That 3.08% dividend yield translates to over $3,000 annually for every $100,000 invested. For someone who values portfolio-generated cash flow, this income component can be game-changing.

Each fund brings something distinct: VXUS for maximum diversification, VEU for cost dominance, IXUS for dividend income.

You don’t need to think like a fund manager—you just need to think about the levers that matter most to your wealth over time: size, cost, and income.

So, which lever matters most? The answer depends on what you need from your portfolio: stability, growth, or income.

Here’s where most investors go wrong: they think they need to pick just one. But in reality, you can design a smarter core-satellite approach that uses all three.

This isn’t about overcomplicating. It’s about acknowledging that each fund solves a different problem, and blending them gives your portfolio stability, efficiency, and income—all at once.

But if you were forced to pick only one? The math points to VEU. The low cost is simply too powerful to ignore over decades.

Here’s the bottom line: international investing isn’t optional—it’s essential. The U.S. is only part of the picture, and global diversification ensures your portfolio is aligned with the full scope of global innovation, growth, and opportunity.

The question isn’t whether to add international exposure, but how. And the decision is personal:

The good news? There’s no wrong answer—only the wrong answer for you. What matters is choosing based on your timeline, risk tolerance, and financial goals.

The strategy that balances everything—VEU as the core, VXUS and IXUS as satellites—might be the most robust option. But the simplicity of VEU alone is also a powerful long-term solution.

As you build or rebalance your portfolio, remember: you’re not just investing in tickers—you’re buying access to the future growth of the world. Whether it’s a Dutch company making the world’s most advanced chips, or a Chinese giant shaping digital life, your international allocation ensures you’re in the game.

The decision feels small now—just three letters on a ticker symbol. But the compounding impact of that choice? That’s the kind of decision your future self will look back on and say: “I’m glad I took the global view when others stayed narrow.”

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Disclaimer: This newsletter is for informational purposes only and should not be considered financial advice. Please consult with a financial advisor before making any investment decisions.