Hello,
This is in regards to my taxable brokerage account.
I sold my VTSAX (VG total stock market admiral shares) on 2/25/22 for TLH and exchanged them for VLCAX (VG large cap admiral shares). Now i see that i have more loss on the VLCAX and wanted to capture these as well. My questions are,
1. I plan on exchanging VLCAX for VTSAX, now, since it is > 2 months. Is there any problem with this ?. None of my other tax deferred or taxable account have VTSAX or VLCAX (they are all S&P 500 funds)
2. Based on the investable amount, i see that now i am eligible for institutional shares of the total stock market (VITSX). Is there any reason i should stick with admiral shares and not go to institutional ?
3. Is there a particular day of the month when i should do this ?
4. Should i re-invest dividends automatically or should i do this on a fixed time ? looks like it does not make a big difference for TLH; would this cause a tax drag one way or the other ?
4. Both VTI (ETF) and VITSX have the same expense ratio. Is one preferred over the other ? i read WCI's post on MF vs ETF and he ultimately said depends on cost and hassle. But looks like the costs are the same for both.
Thanks for everyone's insight.
This is in regards to my taxable brokerage account.
I sold my VTSAX (VG total stock market admiral shares) on 2/25/22 for TLH and exchanged them for VLCAX (VG large cap admiral shares). Now i see that i have more loss on the VLCAX and wanted to capture these as well. My questions are,
1. I plan on exchanging VLCAX for VTSAX, now, since it is > 2 months. Is there any problem with this ?. None of my other tax deferred or taxable account have VTSAX or VLCAX (they are all S&P 500 funds)
2. Based on the investable amount, i see that now i am eligible for institutional shares of the total stock market (VITSX). Is there any reason i should stick with admiral shares and not go to institutional ?
3. Is there a particular day of the month when i should do this ?
4. Should i re-invest dividends automatically or should i do this on a fixed time ? looks like it does not make a big difference for TLH; would this cause a tax drag one way or the other ?
4. Both VTI (ETF) and VITSX have the same expense ratio. Is one preferred over the other ? i read WCI's post on MF vs ETF and he ultimately said depends on cost and hassle. But looks like the costs are the same for both.
Thanks for everyone's insight.
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