Using ZROZ gives the portfolio a large dose of negative beta and provides a portfolio that when considered in the aggregate is substantially less risky than the portfolio with no bond exposure. The goal is to see how the risk contribution changes when we start pushing the portfolio to be closer to the efficient frontier by reducing volatility.To keep the comparison focused on the international ETFs, I simply dropped SCHB and VTI by 10% each.The portfolio as a whole, despite using the same time frame, has reduced the annualized volatility from 16.9% to 11.8%, The difference here is fairly dramatic as the portfolio went from being more volatile than the S 500 to being substantially less volatile.For investors that have free trading on either the Schwab or Vanguard funds, it looks like the best strategy is to use the group of ETFs that the investor can trade without commissions. Neither group is outperforming the other by enough to warrant paying the commissions.Because the annualized volatility on these international investments is so high, an investor should take care to consider a strategy for rebalancing their portfolio regularly to increase their allocations to whichever investments are out of favor with the market.When I’m looking at a comparison between VSS, VWO, and VEA, I’m seeing VSS as a very desirable option.

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