TLH ITOT+IXUS -> URTH

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wetgear
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Joined: Thu Apr 06, 2017 10:14 am

TLH ITOT+IXUS -> URTH

Post by wetgear » Fri Dec 28, 2018 1:39 pm

I know the IRS hasn't given clear guidelines but I was hoping to get the boglehead communities opinion on whether a replacement fund seems to meet the guidelines.

My accounts are at Fidelity and I currently have about 50% ITOT and 50% IXUS. I want to sell them and purchase 100% URTH for the purpose of Tax Loss Harvesting. Would this be considered non-identical enough to for TLH?

student
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Re: TLH ITOT+IXUS -> URTH

Post by student » Fri Dec 28, 2018 1:44 pm

I think so.

NYC_Guy
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Location: New York

Re: TLH ITOT+IXUS -> URTH

Post by NYC_Guy » Fri Dec 28, 2018 1:45 pm

I think this is fine. FYI, I tlh ITOT into IVV (S&P 500) and would tlh IXUS into IEFA. I’m not a fan of all-world index funds.

Topic Author
wetgear
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Re: TLH ITOT+IXUS -> URTH

Post by wetgear » Fri Dec 28, 2018 4:56 pm

NYC_Guy wrote:
Fri Dec 28, 2018 1:45 pm
I think this is fine. FYI, I tlh ITOT into IVV (S&P 500) and would tlh IXUS into IEFA. I’m not a fan of all-world index funds.

Thanks for the ideas! Other than the higher ER what don't you like about the all-world funds?

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Earl Lemongrab
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Re: TLH ITOT+IXUS -> URTH

Post by Earl Lemongrab » Fri Dec 28, 2018 7:10 pm

Each sale will be separate. So for wash sale purposes you compare each individual fund against the "replacement" not a combination of what you sold.

NYC_Guy
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Re: TLH ITOT+IXUS -> URTH

Post by NYC_Guy » Sun Dec 30, 2018 1:04 am

wetgear wrote:
Fri Dec 28, 2018 4:56 pm
NYC_Guy wrote:
Fri Dec 28, 2018 1:45 pm
I think this is fine. FYI, I tlh ITOT into IVV (S&P 500) and would tlh IXUS into IEFA. I’m not a fan of all-world index funds.

Thanks for the ideas! Other than the higher ER what don't you like about the all-world funds?
Inability to pick my desired allocation to international, higher fees, less ability to tlh in the future (eg, intl up, domestic down, all-world flat) and generally less tax efficient.

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