u/defineintlonglong

After a lot of reading, I have settled on the below, and would appreciate a few extra sets of experienced eyes before I make the trade:

• Roth IRA (maxed out):
  • FZROX (70%)
  • FZILX (30%)
• Taxable brokerage:
  • VTI (70%)
  • VXUS (30%)

Re VTI + VXUS: I have also looked into VT (forgoes foreign tax credit), and FSKAX + FTIHX (minimal difference from capital gains distributions). But per my understanding, these effects seem small enough as to be mostly irrelevant- is this correct? Are there any other meaningful considerations?

US-based, no other eligible tax-advantaged accounts, risk tolerance high due to age.