Did anyone Tax Loss Harvest this past week?

[bovie]

Well, I go nuts if a rebound passes and there are thousands of dollars in losses that I could have harvested against a future capital gain but missed out on. Why pay more taxes in the future than you have to? That's what drives me crazy.

That must be exhausting.

[Lithium]

What I'm saying is it would seem you could accomplish the same goal with significantly less effort and complexity.

Hindsight yes blah blah I know, but that leads to my next point.

I also imagine you have a few year's worth of losses to deduct against ordinary income at this point, which means it may be past time to adjust the threshold for harvesting in that you are not trying to harvest and offset income in the same year.

You're building up losses for your rainy (sunny?) day. I'd think the best way to do that would be with several big moves instead of a thousand tiny ones. Which goes back to the threshold adjustment.

Just my two cents, but I'd go nuts having--and constantly monitoring!--all of those funds trying to accomplish the same exposure target.

Well, I go nuts if a rebound passes and there are thousands of dollars in losses that I could have harvested against a future capital gain but missed out on. Why pay more taxes in the future than you have to? That's what drives me crazy.

[bovie]

Thousands of dollars to deduct against ordinary income or capital gains? You may live in a different world in me, but in mine that’s a he** of a lot of juice!!!

What I'm saying is it would seem you could accomplish the same goal with significantly less effort and complexity.

Hindsight yes blah blah I know, but that leads to my next point.

I also imagine you have a few year's worth of losses to deduct against ordinary income at this point, which means it may be past time to adjust the threshold for harvesting in that you are not trying to harvest and offset income in the same year.

You're building up losses for your rainy (sunny?) day. I'd think the best way to do that would be with several big moves instead of a thousand tiny ones. Which goes back to the threshold adjustment.

Just my two cents, but I'd go nuts having--and constantly monitoring!--all of those funds trying to accomplish the same exposure target.

[Lithium]

Surely there must come a point for you where the juice is no longer worth the squeeze.

Or perhaps recalibrate your initial threshold.

Just seems to me that searching for a 9th TLH partner in the span of like two weeks is clearly overkill.

Thousands of dollars to deduct against ordinary income or capital gains? You may live in a different world in me, but in mine that’s a he** of a lot of juice!!!

[parachute]

I TLHed VXUS > VEU > VXUS > VEU > VXUS in November, February, and April.

[bovie]

Well, that’s easy to say in hindsight I guess. But I’d hate to miss out on capturing more losses if the market rebounds.

Surely there must come a point for you where the juice is no longer worth the squeeze.

Or perhaps recalibrate your initial threshold.

Just seems to me that searching for a 9th TLH partner in the span of like two weeks is clearly overkill.

[Lithium]

It would appear that you are tax loss harvesting entirely too frequently.

Well, that’s easy to say in hindsight I guess. But I’d hate to miss out on capturing more losses if the market rebounds.

[bovie]

And again. ITOT—> VTI —> SCHB —> VOO/VXF —> VV/VO/SCHA (today). It would be nice if I can go back to ITOT, but the wash sale period doesn’t end until 5/26

It would appear that you are tax loss harvesting entirely too frequently.

[MaxPower]

I TLH’d >$5,000 of intermediate term muni bond funds for VTSAX last week. Bonds have been getting crushed, and I was a little out of balance anyway due to some bond funds in my 403b not losing value as much as the equity funds I had in there, so seemed like a good time to rebalance.

[Lithium]

And again. ITOT—> VTI —> SCHB —> VOO/VXF —> VV/VO/SCHA (today). It would be nice if I can go back to ITOT, but the wash sale period doesn’t end until 5/26

[BruinBones]

What is a good TLH partner for VTIAX? The Vanguard Total International Stock Index.

Vanguard FTSE All-World ex-US Index Fund (VFWAX) for VTIAX.

[Lithium]

After exchanging VTI to ITOT to SCHB I just TLH’d again, pretty reluctantly. To a combo of VOO and VXF. Not fun to make my portfolio even more complicated.

[HM7]

What is a good TLH partner for VTIAX? The Vanguard Total International Stock Index.

Also for TIPS, I've used the partner pair of VIPSX (vanguard) and SCHP (Schwab). They're both intermediate term, but have some differences (I think, but I'm not sure). Anyone use anything else?

[billy]

Heard WCI mention on a recent podcast that you have to hold a stock for 60 days for it to be qualified dividend. TLH too often you could end up with higher taxes on unqualified dividends.

true but depends on the size of the dividends. I recently did this with VLCAX but their dividends was only 298; the tlh was over 2k, so I think I came out ahead. Ive set my tlh threshold higher and if I dont reach it but I feel theres a sale, I just buy more

[zlandar]

How much is too often to tax loss harvest?

Heard WCI mention on a recent podcast that you have to hold a stock for 60 days for it to be qualified dividend. TLH too often you could end up with higher taxes on unqualified dividends.