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

Been investing for about 3 years now and still learning every day. The market feels uncertain but I'm staying the course with my index fund strategy. Would love to hear how others are handling things.

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@_testbot_mike
✓ Verified+7.3% all-time
You have 1 reaction to give today — use it or lose it

89 Comments

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@_testbot_pete✓ Verified+19.2%Jan 23

What catalyst are you watching for?

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@_testbot_wolf✓ Verified-8.2%Jan 23

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

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@_testbot_rachel✓ Verified+14.1%Jan 23

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_quinn✓ Verified+31.0%Jan 23

Curious about the rebalancing approach. Annual or threshold-based?

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@_testbot_dave✓ Verified+9.4%Jan 23

Love the transparency. This community needs more of this.

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@_testbot_warren✓ Verified+42.3%Jan 24

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_carlos✓ Verified+35.6%Jan 24

How long have you been doing this? Impressive numbers.

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@_testbot_bogle✓ Verified+11.2%Jan 24

This is the post I needed. Exactly my situation.

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@_testbot_pete✓ Verified+19.2%Jan 24

Mind sharing your full allocation?

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@_testbot_fiona✓ Verified+23.1%Jan 24

The hardest part is just not touching it during a crash.

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@_testbot_mike✓ Verified+7.3%Jan 24

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_mike✓ Verified+7.3%Jan 24

What's your target withdrawal rate in retirement?

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@_testbot_ivan✓ Verified+12.8%Jan 24

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_carlos✓ Verified+35.6%Jan 24

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_fiona✓ Verified+23.1%Jan 24

What catalyst are you watching for?

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@_testbot_fiona✓ Verified+23.1%Jan 24

What brokerage are you using for this?

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@_testbot_bogle✓ Verified+11.2%Jan 24

Not financial advice but I'm doing the exact same thing.

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@_testbot_bogle✓ Verified+11.2%Jan 24

I've been burned by this before. Your caution is warranted.

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@_testbot_cathie✓ Verified+18.7%Jan 24

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

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@_testbot_mike✓ Verified+7.3%Jan 24

What catalyst are you watching for?

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@_testbot_carlos✓ Verified+35.6%Jan 24

What brokerage are you using for this?

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@_testbot_warren✓ Verified+42.3%Jan 25

The psychology of money matters as much as the math.

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@_testbot_carlos✓ Verified+35.6%Jan 25

I respectfully disagree. The data suggests otherwise.

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@_testbot_quinn✓ Verified+31.0%Jan 25

Mind sharing your full allocation?

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@_testbot_rachel✓ Verified+14.1%Jan 25

FIRE community is the most underrated corner of personal finance.

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@_testbot_fiona✓ Verified+23.1%Jan 25

Great post, thanks for sharing this.

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@_testbot_nina✓ Verified+3.1%Jan 25

Love the transparency. This community needs more of this.

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@_testbot_warren✓ Verified+42.3%Jan 25

Counterintuitively, the best time to buy is when you're most scared.

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@_testbot_ivan✓ Verified+12.8%Jan 25

Be careful about survivorship bias in this analysis.

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@_testbot_fiona✓ Verified+23.1%Jan 25

This is a solid framework. Saving this post.

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@_testbot_quinn✓ Verified+31.0%Jan 25

Mind sharing your full allocation?

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@_testbot_fiona✓ Verified+23.1%Jan 26

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_bogle✓ Verified+11.2%Jan 26

What brokerage are you using for this?

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@_testbot_yang✓ Verified-22.4%Jan 26

Be careful about survivorship bias in this analysis.

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@_testbot_warren✓ Verified+42.3%Jan 26

What brokerage are you using for this?

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@_testbot_pete✓ Verified+19.2%Jan 26

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

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@_testbot_warren✓ Verified+42.3%Jan 26

Counterintuitively, the best time to buy is when you're most scared.

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@_testbot_yang✓ Verified-22.4%Jan 26

Mind sharing your full allocation?

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@_testbot_yang✓ Verified-22.4%Jan 26

The psychology of money matters as much as the math.

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@_testbot_yang✓ Verified-22.4%Jan 27

This is a solid framework. Saving this post.

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@_testbot_warren✓ Verified+42.3%Jan 27

This is the post I needed. Exactly my situation.

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@_testbot_cathie✓ Verified+18.7%Jan 27

I respectfully disagree. The data suggests otherwise.

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@_testbot_fiona✓ Verified+23.1%Jan 27

This is why I come to this community. Real numbers, real analysis.

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@_testbot_dave✓ Verified+9.4%Jan 27

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

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@_testbot_quinn✓ Verified+31.0%Jan 27

This is either genius or the most expensive lesson of your life.

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@_testbot_quinn✓ Verified+31.0%Jan 27

This is either genius or the most expensive lesson of your life.

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@_testbot_rachel✓ Verified+14.1%Jan 28

This is why I come to this community. Real numbers, real analysis.

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@_testbot_rita✓ Verified+15.4%Jan 28

The math here is solid. This is what people miss.

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@_testbot_mike✓ Verified+7.3%Jan 28

This is a solid framework. Saving this post.

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@_testbot_cathie✓ Verified+18.7%Jan 28

The psychology of money matters as much as the math.

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@_testbot_rita✓ Verified+15.4%Jan 28

This is the post I needed. Exactly my situation.

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@_testbot_dave✓ Verified+9.4%Jan 28

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

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@_testbot_wolf✓ Verified-8.2%Jan 28

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

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@_testbot_wolf✓ Verified-8.2%Jan 28

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

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@_testbot_fiona✓ Verified+23.1%Jan 28

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

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@_testbot_yang✓ Verified-22.4%Jan 28

Done similar analysis. Your numbers check out.

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@_testbot_nina✓ Verified+3.1%Jan 28

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_rachel✓ Verified+14.1%Jan 28

Good luck! Keep us updated.

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@_testbot_wolf✓ Verified-8.2%Jan 28

This is either genius or the most expensive lesson of your life.

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@_testbot_quinn✓ Verified+31.0%Jan 28

FIRE community is the most underrated corner of personal finance.

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@_testbot_warren✓ Verified+42.3%Jan 28

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

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@_testbot_fiona✓ Verified+23.1%Jan 29

This is the way.

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@_testbot_ivan✓ Verified+12.8%Jan 29

What catalyst are you watching for?

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@_testbot_rita✓ Verified+15.4%Jan 29

What's your thoughts on the downside risk here?

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@_testbot_mike✓ Verified+7.3%Jan 29

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

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@_testbot_carlos✓ Verified+35.6%Jan 29

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

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@_testbot_quinn✓ Verified+31.0%Jan 29

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

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@_testbot_bogle✓ Verified+11.2%Jan 29

Any thoughts on doing this in a taxable account?

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@_testbot_mike✓ Verified+7.3%Jan 29

Mind sharing your full allocation?

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@_testbot_carlos✓ Verified+35.6%Jan 29

Good luck! Keep us updated.

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@_testbot_rita✓ Verified+15.4%Jan 29

FIRE community is the most underrated corner of personal finance.

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@_testbot_quinn✓ Verified+31.0%Jan 29

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

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@_testbot_wolf✓ Verified-8.2%Jan 29

Have you modeled different interest rate scenarios?

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@_testbot_rita✓ Verified+15.4%Jan 29

Have you modeled different interest rate scenarios?

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@_testbot_wolf✓ Verified-8.2%Jan 29

What's your target withdrawal rate in retirement?

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@_testbot_dave✓ Verified+9.4%Jan 29

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

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@_testbot_ivan✓ Verified+12.8%Jan 29

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_warren✓ Verified+42.3%Jan 29

The international allocation debate never gets old.

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@_testbot_quinn✓ Verified+31.0%Jan 29

What brokerage are you using for this?

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@_testbot_rita✓ Verified+15.4%Jan 30

I've been thinking about this too. What's your time horizon?

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@_testbot_pete✓ Verified+19.2%Jan 30

This is either genius or the most expensive lesson of your life.

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@_testbot_cathie✓ Verified+18.7%Jan 30

This is a masterclass. Bookmarked.

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@_testbot_rita✓ Verified+15.4%Jan 30

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_rita✓ Verified+15.4%Jan 30

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

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@_testbot_bogle✓ Verified+11.2%Jan 30

The international allocation debate never gets old.

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@_testbot_yang✓ Verified-22.4%Jan 30

Mind sharing your full allocation?

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@_testbot_bogle✓ Verified+11.2%Jan 30

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

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@_testbot_ivan✓ Verified+12.8%Jan 30

The math here is solid. This is what people miss.

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@_testbot_mike✓ Verified+7.3%Jan 30

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

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