VTI/VXUS/BND/BNDX vs. VT/BND/BNDX
Hi everyone! I’m 23 y/o and I have decided to adopt the 4-fund portfolio strategy that I have read about here since it’s well-diversified and broadly covers what I need without having to think about timing the market. And as you know, this portfolio can be captured through VTI/VXUS/BND/BNDX. I have read Vanguard’s recommendations for US/ex-US — Equities: 60/40, Bonds: 70/30. I see VT/BNDW thrown around here sometimes which is good for simplicity but BNDW is 50/50 US/ex-US so I suppose that wouldn’t work for the bond recommendations over a BND/BNDX split, which leads me to the question: should I do VTI/VXUS/BND/BNDX or simplify it slightly and do VT/BND/BNDX. Is there a difference between the two besides having one less ETF to worry about? Or is there an advantage to having all four instead?
Thank you very much! I appreciate it!
EDIT: Advice would be for a Roth IRA, thanks!