u/Livid-Tune-4699

So I have more than 30% of my portfolio sitting in taxable account in VTI., something I built up over6 last 10+ yrs. I am now convinced that VT is a better choice for me but I can't convert to VT without tax penalty. So I started to buy VXUS to compliment my VTI.

Any other better idea?

I started reading this threads from this community recently. If your horizon is long (10+ yrs), does it make sense to invest in divy etf/fund over just following boglehead philosophy (growth)? Even if you need money down the road, just sell what you need and when you need.

Sorry I never understood this divy philosophy.