Tax loss harvesting question and preventing wash sale. Roth IRA and taxable.

[chewy8k]

Hi bogleheads thank you for your help.

I have a question that involves me owning identical etfs in my Roth IRA and taxable brokerage, and it has me a bit confused. I maxed out my 2025 Roth IRA early January 2025. I purchased shares of avuv 1/8/25 in my Roth IRA, but I also purchased shares of avuv in my taxable brokerage account the same day with left over funds. If I were to sell those shares purchased in my taxable account and shares bought prior to 1/8/25 and repurchase my loss harvesting partner will the shares in my Roth IRA that I do not plan to sell cause an issue? I have dividend reinvestment off on my Roth IRA already. Thank you for any insight.

[cchrissyy]

You're fine. Just don't purchase the same ticker symbol for 30 days before or after the date that you're selling for a loss.

[AnEngineer]

I have dividend reinvestment off on my Roth IRA already.

Sounds like you're good. Remember, the wash sale rule only comes into play if you want to deduct a loss (the point of TLH, so definitely involved here) and you buy (or otherwise acquire) substantially identical investments within 30 days (before or after). Sounds like all your purchases are well outside that window, so no issue.