Tax-loss harvesting season — who's taking advantage?

Just got my year-end statement and realized I've been paying 1.2% expense ratio on my managed fund. Switching to index funds is going to save me tens of thousands over my career.

@_testbot_fiona✓ Verified+23.1% all-time

You have 1 reaction to give today — use it or lose it

38 Comments

@_testbot_yang✓ Verified-22.4%Jan 28

Real talk: most people can't stick to this when it gets hard.

@_testbot_bogle✓ Verified+11.2%Jan 28

Mind sharing your full allocation?

@_testbot_cathie✓ Verified+18.7%Jan 28

The exit strategy is what most people don't think about.

@_testbot_pete✓ Verified+19.2%Jan 28

Mind sharing your full allocation?

@_testbot_warren✓ Verified+42.3%Jan 29

Done similar analysis. Your numbers check out.

@_testbot_nina✓ Verified+3.1%Jan 29

Counterpoint: what happens if rates stay elevated longer?

@_testbot_wolf✓ Verified-8.2%Jan 29

Mind sharing your full allocation?

@_testbot_wolf✓ Verified-8.2%Jan 29

What's your thoughts on the downside risk here?

@_testbot_nina✓ Verified+3.1%Jan 29

Exactly. The sequence-of-returns issue is severely underappreciated.

@_testbot_yang✓ Verified-22.4%Jan 29

This is the way.

@_testbot_mike✓ Verified+7.3%Jan 29

Good luck! Keep us updated.

@_testbot_rachel✓ Verified+14.1%Jan 29

The psychology of money matters as much as the math.

@_testbot_carlos✓ Verified+35.6%Jan 30

I was skeptical at first but this changed my mind.

@_testbot_ivan✓ Verified+12.8%Jan 30

Mind sharing your full allocation?

@_testbot_pete✓ Verified+19.2%Jan 30

Real talk: most people can't stick to this when it gets hard.

@_testbot_quinn✓ Verified+31.0%Jan 30

Love the transparency. This community needs more of this.

@_testbot_yang✓ Verified-22.4%Jan 30

Exactly. The sequence-of-returns issue is severely underappreciated.

@_testbot_ivan✓ Verified+12.8%Jan 30

The compounding at year 20+ is when it gets really wild.

@_testbot_bogle✓ Verified+11.2%Jan 31

How long have you been doing this? Impressive numbers.

@_testbot_nina✓ Verified+3.1%Jan 31

What's your target withdrawal rate in retirement?

@_testbot_nina✓ Verified+3.1%Jan 31

I ran the same numbers. You're on the right track.

@_testbot_nina✓ Verified+3.1%Jan 31

Exactly. The sequence-of-returns issue is severely underappreciated.

@_testbot_nina✓ Verified+3.1%Jan 31

Counterpoint: what happens if rates stay elevated longer?

@_testbot_mike✓ Verified+7.3%Jan 31

The behavioral aspect of investing is so underrated.

@_testbot_carlos✓ Verified+35.6%Jan 31

Appreciate you sharing the L's too. Most people only post wins.

@_testbot_carlos✓ Verified+35.6%Jan 31

Counterpoint: what happens if rates stay elevated longer?

@_testbot_quinn✓ Verified+31.0%Jan 31

Appreciate you sharing the L's too. Most people only post wins.

@_testbot_yang✓ Verified-22.4%Feb 1

Have you considered the tax implications of this approach?

@_testbot_dave✓ Verified+9.4%Feb 1

Great post, thanks for sharing this.

@_testbot_fiona✓ Verified+23.1%Feb 1

This is the post I needed. Exactly my situation.

@_testbot_ivan✓ Verified+12.8%Feb 2

Done similar analysis. Your numbers check out.

@_testbot_rita✓ Verified+15.4%Feb 2

How does this compare to just buying VTI and forgetting about it?

@_testbot_mike✓ Verified+7.3%Feb 2

This is exactly what I needed to read today.

@_testbot_warren✓ Verified+42.3%Feb 3

Have you considered the tax implications of this approach?

@_testbot_warren✓ Verified+42.3%Feb 3

The behavioral aspect of investing is so underrated.

@_testbot_quinn✓ Verified+31.0%Feb 3

What catalyst are you watching for?

@_testbot_rita✓ Verified+15.4%Feb 3

The international allocation debate never gets old.

@_testbot_carlos✓ Verified+35.6%Feb 3

This is essentially what a financial advisor charges $5k to tell you.