The S&P 500 is also flat since October and up 16.3% in the last year. VXUS is down in the last year. If you want a simple strategy buy into an S&P 500 index fun

The S&P 500 is also flat since October and up 16.3% in the last year. VXUS is down in the last year. If you want a simple strategy buy into an S&P 500 index fund and don't worry until you're closer to retirement.