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What are your tax loss harvesting partners?

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  • childay
    replied
    Originally posted by Peds View Post

    can also move to a new companys funds. ishares ITOT is a different index than VTSAX but keeps your investments tidy.
    Or SCHB for instance. Different index

    Leave a comment:


  • rmecc001
    replied
    I break my international into total, emerging markets and pacific to better reflect the size of the pacific region. For pacific I paired vanguard with the ishares pacific etf IPAC.
    for international small cap I also used ishares etf ticker SCZ

    International value was more challenging. I wanted an etf and ended up using HDEF due to low ER. It is an international high dividend fund.

    Leave a comment:


  • Peds
    replied
    Originally posted by billy View Post
    If you want to go further down the rabbit hole can also TLH VLCAX into (50/50) VIGAX and VVIAX if there's another big loss before the 30 days are up for VTSAX. But that would very likely not be worth the hassle. I've learned to stop at the 3rd TLH partner unless seeing losses >1500. Then I cant help it sometimes. So maybe I havent totally learned
    can also move to a new companys funds. ishares ITOT is a different index than VTSAX but keeps your investments tidy.

    Leave a comment:


  • billy
    replied
    If you want to go further down the rabbit hole can also TLH VLCAX into (50/50) VIGAX and VVIAX if there's another big loss before the 30 days are up for VTSAX. But that would very likely not be worth the hassle. I've learned to stop at the 3rd TLH partner unless seeing losses >1500. Then I cant help it sometimes. So maybe I havent totally learned

    Leave a comment:


  • Peds
    replied
    as long as 31 days for VTSAX in april/may thats exactly what i did.

    Leave a comment:


  • asakkings
    replied
    I am new to investing and TLH so I wanted to makes sure I did this right.

    I had invested total of 15,000 in VTSAX in March, in 2 lots, one was more than a year ago with about 700 in long term capital gains and second one that I put in march and total ended up being 800 in loss. I exchanged all of it for VFIAX and captured 800 in loss and then market went down again few days later and did another exchange to VLCAX for about 2500 in loss. I dont have any money coming into any of my retirement accounts right now. Did I screw anything up?

    VTSAX --> VFIAX--> VLCAX all within a week or so.

    I plan to go back to VTSAX so time in late April or May.

    Leave a comment:


  • Peds
    replied
    Originally posted by ACN View Post
    VTI to VFIAX thus far. Now I have another $7k in losses, can I go to VLCAX ?
    they are different.

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  • ACN
    replied
    VTI to VFIAX thus far. Now I have another $7k in losses, can I go to VLCAX ?

    Leave a comment:


  • Peds
    replied
    Originally posted by Darkroominvestor View Post
    What are tax loss harvesting partners for those of us who only use fidelity funds?
    theres a wiki
    https://www.bogleheads.org/wiki/Fidelity

    Leave a comment:


  • Darkroominvestor
    replied
    What are tax loss harvesting partners for those of us who only use fidelity funds?

    Leave a comment:


  • PhysicianOnFIRE
    replied
    A great list of TLH partners compiled at Physicians FInance Basics: https://physicianfinancebasics.com/t...ting-partners/
    TLH Partners for Total U.S. Stock Market

    Some options and their Expense Ratios (ER) are:
    • VTI/VTSAX (Vanguard Total Stock Market ETF/fund), ER 0.03%, tracks CRSP U.S. Total Market Index
    • VOO/VFIAX (Vanguard S&P 500 ETF/fund), ER 0.03%, tracks S&P 500
    • VV/VLCAX (Vanguard Large Cap ETF/fund), ER 0.04%, tracks CRSP U.S. Large Cap Index
    • FSKAX (Fidelity Total Stock Market Index Fund), ER 0.02%, tracks Dow Jones U.S. Total Stock Market Index
    • FZROX (Fidelity Zero Total Market Index Fund), ER 0.0%, tracks Fidelity U.S. Total Investable Market Index
    • ITOT (iShares Core S&P Total U.S. Stock Market ETF), ER 0.03%, tracks S&P Total Stock Market Index
    • IVV (iShares Core S&P 500 ETF), ER 0.04%, tracks S&P 500
    • SCHB (Schwab U.S. Broad Market ETF), ER 0.03%, tracks Dow Jones U.S. Broad Stock Market Index
    • SPY (SPDR S&P 500 ETF), ER 0.09%, tracks S&P 500
    TLH Partners for Total International Stock Market

    • VXUS/VTIAX (Vanguard Total International Stock ETF/fund), ER 0.08%, tracks FTSE Global All Cap ex US Index
    • IXUS (iShares Total International Stock ETF/fund), ER 0.08%, tracks MSCI ACWI ex-U.S. Investable Market Index
    • VEU/VFWAX (Vanguard All-World ex-U.S. ETF/fund), ER 0.08%, tracks FTSE All-World ex US Index +/- VSS/VFSAX (Vanguard All World ex-U.S. Small Cap ETF/fund), ER 0.11%, tracks FTSE Global Small Cap ex US Index
    • VEA/VTMGX (Vanguard Developed Market ETF/fund), ER 0.05%, tracks FTSE Developed All Cap ex US Index + VWO/VEMAX (Vanguard Emerging Market ETF/fund), ER 0.10%, tracks FTSE Emerging Markets All Cap China A Inclusion Index
    Points to Note:

    • VEU is mostly large and mid-cap companies. So, it is often recommended to add on some VSS for small-cap exposure in 85-90%:10-15% ratio. This is not an exact science.
    • Similarly, VEA is only Developed market. So, add on VWO for Emerging market exposure (70:30 is commonly quoted) for a truer Total International holding.
    • SCHF (Schwab International Equity ETF), ER 0.06%, tracks FTSE Developed ex-U.S. Index. Therefore this, by itself, is not a good replacement fund for Total International Market because it excludes emerging markets.
    • IEFA (iShares Core MSCI EAFE ETF), ER 0.07%, is likewise, a holding of large and mid-cap companies in developed markets, excluding U.S. and Canada.
    TLH Partners for U.S. Small Cap Value Holdings

    For those who add a value tilt to their portfolio, domestic small cap holdings offers a fantastic TLH opportunity. Whenever there is market volatility, along with International stocks, small cap stocks are often the first to tumble.
    • VBR/VSIAX (Vanguard Small Cap Value ETF/fund), ER 0.07%, tracks CRSP US Small Cap Value Index
    • VIOV (Vanguard S&P Small Cap 600 Value ETF), ER 0.15%, tracks S&P Small-Cap 600 Value Index
    • VTWV (Vanguard Russell 2000 Value ETF), ER 0.15%, tracks Russell 2000
    • IJS (iShares S&P Small Cap 600 Value ETF), ER 0.25%, tracks S&P Small Cap 600 Index
    • RZV (S&P Small Cap 600 Value ETF), ER 0.35%, tracks S&P Small Cap 600 Index
    • SLYV (SPDR S&P Small Cap 600 Value ETF), ER 0.15%, tracks S&P small Cap 600 Index
    • VB (Vanguard Small Cap ETF), ER 0.05%, tracks CRSP US Small Cap Index. It does not focus on value stocks.

    As you can see, this is a problem since a bunch of the ETFs above track the same index. It will likely NOT be reported by your brokerage as a wash sale. So, it depends on your risk tolerance whether you want to defend your position to the IRS, if it comes to that. There are no known instances of the IRS flagging a wash sale though. Some other options:

    These are either mid caps or small caps but without a value tilt.
    • VOE/VMVAX (Vanguard Mid Cap Value ETF), ER 0.07%, tracks CRSP US Mid Cap Value Index: may be used in place of Small Cap holdings for a short duration if you are out of options
    • IVOV (Vanguard S&P Mid Cap 400 Value ETF), ER 0.15%, tracks S&P Mid Cap 400
    • IJJ (iShares S&P Mid Cap 400 Value ETF), ER 0.25%, tracks S&P Mid Cap 400 Index
    TLH Partners for International Small Cap Value Holdings

    • VSS/VFSAX (Vanguard FTSE All-World Ex-U.S. ETF/fund), ER 0.11%, tracks FTSE Global Small Cap ex US Index
    • SCZ (iShares MSCI EAFE Small Cap ETF), ER 0.40%, tracks MSCI EAFE Small Cap Index
    • SCHC (Schwab International Small Cap Equity ETF), ER 0.11%, tracks FTSE Developed Small Cap ex-U.S. Liquid Index
    • FNDC (Schwab Fundamental International Small Company Index ETF), ER 0.39%, tracks Russell RAFI Developed ex US Small Company Index
    • DLS (WisdomTree International Small Cap Dividend Fund), ER 0.58%

    SCZ, SCHC, FNDC and DLS all limit themselves to small caps in developed markets only. VSS includes about 15-20% of Emerging Markets, too. Despite this, they are highly correlated and works for TLH purposes. TLH Partners for Emerging Markets Holdings

    • VWO/VEMAX (Vanguard Emerging Market ETF/fund), ER 0.10%, tracks FTSE Emerging Markets All Cap China A Inclusion Index
    • IEMG (iShares Emerging Markets ETF), ER 0.14%, tracks Core MSCI Emerging Market Index
    • SCHE (Schwab Emerging Market Equity ETF), ER 0.11%, tracks FTSE Emerging Market Index
    • SPEM (SPDR Portfolio Emerging Market ETF), ER 0.11%, tracks S&P Emerging Market Index

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  • hypercube
    replied
    Due to recent market volatility,  I am looking into THL. Have only Vanguard accounts:  Please critique this partners, and any recommendations for Emergent Markets is appreciated :

    Small Cap Value :  VSIAX (Small Cap Value),  VTWV (Russell 2000 ETF), VIOV (S&P 600 ETF), VTMSX (Tax managed small blend)

    Mid Cap Value: VMVAX (Middle Cap Value), VEXAX (Middle Cap Blended), VOE (ETF Mid Cap Value) 

    International: VTIAX (Total Int) =   VTMGX (Developed Market)   VFWAX (All World ex US)

    Emergent Markets : VEMAX (Emergent Market) --> ?   

     

    Thanks

    Leave a comment:


  • Peds
    replied


    What amount of loss does one start thinking about TLH? Is it an absolute amount or more a percentage?
    Click to expand...


    i buy monthly. so if there is a loss, ill harvest it. smallest lot ive done is $12.


    I wanted opinions on a couple funds I have in my retirement account
    Click to expand...


    the account is important. workplace (401k, etc) not included in wash sale rules. IRA (including spouse), included.

    institutional is s&p, so a good TLH to total US. but you can only get that in a workplace plan, so it doesnt matter.

    Blackrock uses MSCI. Vanguard uses FTSE.

     

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  • CPDoc07
    replied
    That sounds pretty reasonable. Thanks!

    Leave a comment:


  • VagabondMD
    replied
    I have added the Fidelity Zero funds to the mix.

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