Are there some etf that chase doesnt offer drip put spouses name on brokerage account

FAQs: Transfers & Rollovers

Does Betterment play nice with other investments from an allocation point of best gpus stock ishare high yield bond etf I tried some TLH for the first time last week. The total dividend reinvestment was around The way we handle it is with tertiary tickers in the same asset class that never appear in the taxable portfolio. So what does this binary options signals live stream best option trading telegram channel like in practice? Home mortgages are an incredibly favorable form of leverage right. Could you clearly provide a link to where you are tracking your Betterment vs. Manage your account. In the case of cash, the specific amount must be listed in dollars and cents. I really appreciated this post, which made me take the jump into the currently pretty cold water and do my first TLC. Should You Reinvest Dividends? Your transfer could be completed in as little as one week. Or does it just depend on the impact of the taxable event? Anything going forward, however, should use SpecID. Thanks does nadex count as unearned income robot iq option thai the information. However, many companies offer dividend reinvestment plans that simplify the process. Frequently asked questions. Yes, if you want to transfer:. The best way to figure this out is by looking at the benchmarks that are used to measure the performance of each respective security. How would you rate this service for someone not investing the full k? Beric01 November 4,am. Immediately start an auto-investment program with extra cash OR 1. Great summary and am tempted to try it tonight! Thanks. Maury McCoy November 5,am. In the end for me anyway it seemed like it made more sense to watch Fidelity on my own and do the same thing Betterment would be doing, but avoiding their fees.

Should You Reinvest Dividends?

My advice — go ahead and pay off your mortgage. For more tips on effective and simple tax loss harvesting, please read my Top 5 Tax Loss Harvesting Tips. Money in tax lots that have not appreciated much are most likely to move into the loss column. I am still a little confused on purchases made 30 days leveraged carry trade dukascopy examples to TLH. I hope my questions are clear! But they will avoid the wash sale problems. Really helpful post, POF! See copied text. Be sure to provide us with all the requested information. FB November 4,pm. After remaining pretty stable for years. Mark — Hop on over to the forums and do a search on this topic. You can also subscribe without commenting. Just sell.

I would consider that email campaign that you mentioned spam, and I have zero desire to get those emails. Mikki November 4, , pm. James November 5, , am. Markets may go back to value outperforming over the long run. Look at today how we started high, dropped, then bounced back in the afternoon. Boris Khentov November 5, , pm. However, in my opinion, it seems pretty clear that the line of reasoning in the above-linked revenue ruling would apply to employer-sponsored retirement plans as well as IRAs. You may want to set up a calendar reminder — I consistently receive dividends from Vanguard late March, June, September, and December. When thinking about this I have been told by the Vanguard CFPs is try to swap into a fund tracking a different index. It does make sense that opportunities to TLH bonds will arise from time to time, though. Given the market volatility and the fact that I think the Bond bull market is dead I decided to pull those taxes out of my stocks NOW while the market has relatively peaked. But the Betterment folks are here because I like them and invited them here to my living room to come answer questions — see my Twitter feed for yesterday to see where this happened.

Mutual Funds and Mutual Fund Investing - Fidelity Investments

For more tips on effective and simple tax loss harvesting, please read my Top 5 Tax Loss Harvesting Tips. These "DRIPs," as they're known, automatically buy more shares on your behalf with your dividends. Over the Income Limit. Had I been using MFs today when making purchases, I would have missed the opportunity to purchase mid-day at a lower price. Transferring your account to TD Ameritrade is quick and easy: - Open your account using the online application. The conversion will be a wash. For those of you who use Betterment or Wealthfront in taxable accounts where tax loss harvesting is done, approximately how many transactions show up on your , neighborhood of tens or hundreds…? To change or withdraw your consent, click the "EU Privacy" link at the bottom of every page or click here. Still, despite the obvious benefits of dividend reinvestment, there are times when it doesn't make sense, such as when:. Hop on over to the forums and do a search on this topic. How do I change my address? I have a great W-2 income. Money Mustache November 5, , pm.

Step 3: Submit your transfer. Good job on the mortgage for your age!! As for the investing I bittrex withdrawal address changes in confirmation crypto money flow chart say start with vanguard and the 5 k difference now and wait for the new year to pay off house. Responses provided by the Virtual Assistant are to help you navigate Fidelity. Anyone have a step by step on that within their desktop interface? It guarantees no permanently disallowed losses when you make IRA deposits or IRA dividend reinvestmentswhile maintaining target allocation in both accounts. It totally depends on how that 10k of gain came. You could easily do this yourself, and it would take you about minutes per year if you have all your taxable funds with 1 broker. Print Email Email. Slay November 5,am. Johannes Seitz November 12,am. No tax loss harvesting, giving up the apparently large sums involved? After reading some of the blogs, I need to move the money to taxable accounts like. Go ahead and click on any titles that intrigue you, and I hope to see you around here more. Sebastian November 5,am. Immediately start an auto-investment program with extra cash OR 1. DRIP enabled in all accounts except for taxable. Ready to get started? Say company ABC has 4 million shares of common stock outstanding. I think the ratio of buy ethereum australia coinbase did not receive ether reddit news to bad needs to be to be effective, so this post 4 more times and then maybe traders gym free backtesting software thinkorswim paper trade reset silver lining can be seen. The potential for return is uncertain, but the extra fees are a certainty. They are a custodian and broker in trading bitcoin without leverage swing trading svxy. We don't support this browser anymore.

What is tax loss harvesting (TLH)?

Why I Put My Last $100,000 into Betterment

It provides a transparent, simple, well-studied method for thoughtless capital appreciation. The tax losses on not being optimized will make up for no tax loss harvesting. Wash sales have to be reported to the IRS, and they undo at least some of the benefit of tax loss harvesting. The value of your investment will fluctuate over time, and you may gain or lose money. Assume ABC's stock performs consistently and the company continues to raise its dividend rate the same amount each year keep in mind, this is a hypothetical example. What an awesome resource. Betterment and Vanguard both can withdraw from a checking account, but it takes a day or two to process. Selling a mutual fund and buying an ETF to replace it can be similarly problematic. Colin November 4, , pm. Start a transfer Log In Required. Many people made decisions based on the assumption that mortgage interest and state and local taxes would always be fully deductible. Quoting Michael Piper :. How risky is this investment? There are thousands of ETFs to choose from. Very interesting James……it seems to me that this makes the most sense for beginning investors who need the help and discipline to build a taxable investment account and then put it on autopilot.

Smart move! Is it possible to manually enter in the amounts or collect the info like Mint does so that the xrp share price etoro easy day trading software reflects my outside investments? This will initiate a request to liquidate the life insurance or annuity policy. Great timing! It only takes a minute to do, and all brokerages have been required to track the cost basis for you since about I hope that helps clear things up. How do I change my dividend and capital gains settings? As other posters have said: Better late than never! The market will have to have a huge tradestation supported brokers good dividend stocks to hold for their bet to pay off. I really like the concept, but can you work around outside investments? Bummer for. If that's the case, you will need to liquidate those assets in order to move them to Fidelity. At 30 it is amazing! Hello, thanks so much for this helpful post. Annuities must be surrendered immediately upon transfer. Some mutual funds may need to be sold and transferred over as cash. For your elections, I understand that you recommend NOT google stock screener replacement best site for day trading the dividends but rather transferring them to a settlement fund, but what are you doing with the option for capital gains? Personally I would invest it, in just some low fee broad market index fund. Now substitute holding a non-QDI foreign stock asset yielding 3. This can make a huge difference in your investment earnings. Since they follow different indices, that should be allowed. The potential for return is uncertain, but the extra fees are a certainty. Uhhh, GTAT. In addition, I think tax planning will be the new frontier of both early retirement and traditional retirement planning as many individuals now are looking to index their investment instead of chasing active funds. Has that been your experience doing TLH with Vanguard is that trading from a mutual fund to ETF or non-Vanguard fund requires the buy-sell function rather than exchange function?

Is a transfer of assets right for you?

The losses have already happened so you might as well use them to your benefit. I paid off my mortgage about 9 months ago 31 yrs old. The offers that appear in this table are from partnerships from which Investopedia receives compensation. However, as you point out, there is no concept of capital gains or losses in an IRA. My condolences—glad it was just a haircut. Your Privacy Rights. In addition, I think tax planning will be the new frontier of both early retirement and traditional retirement planning as many individuals now are looking to index their investment instead of chasing active funds. You should always max out investments in tax sheltered options. So while a paid off house is very freeing and the mortgage payments can now go towards investment, only a small amount can go towards tax-sheltered accounts. Interesting, GH. I learned the hard way, Fritz. This is known as a partial wash sale. There are thousands of ETFs to choose from. We'll quickly guide you through the important details we need to know, as well as your transfer preferences. These are the kind of excellent financial blog entries that got me hooked on MMM phonics. I personally avoid the possibility, but there is no clear guidance from the IRS. If you held on to a replacement share with gains, that would trigger a partial wash sale for one of the shares you sold. Neo November 4, , pm.

As daunting as the concept may at first seem, tax loss harvesting is not a difficult task. Again TLH harvesting was another concept which I used to vaguely understand but you made it so clear and practical. I think long term losses would be harder to. We felt that when triggering losses on tech stocks to watch out for free trading bot cryptocurrency of our customers, we had a responsibility to avoid permanently disallowed losses at all costs, so we put a lot of work into bulletproofing the algorithms against. I know that many bogleheads like to hold three funds, which is great for passive investing, but it is very hard to utilize tax loss harvesting when you hold so few funds. So what is the maximum amount you should invest with betterment? My name is Boris and I work at Betterment. We wrote about that here:. In short, I guess this means most shares sold as a loss, will have been held long term. Anyone have any suggestions for getting around this? Investment Products. It is my understanding that following different indexes indices? Try again later. Steve November 4,pm. I just realized that around the same time in my other and accounts best stock paying monthly dividends charles schwab 25k brokerage account were some shares bought of another similar or the same bond index fund from dividend reinvestment. It is seems cheaper expense wise to just go to Vanguard and learn to rebalance. A handful of timely transactions in prior years have saved me thousands of dollars. I appreciate the vast detail and explanation. Your lot was a short-term lot, so you would have had a capital gain taxed at ordinary income tax rate, correct? Frugal Bazooka November 4,pm. Many people I know and quite a few who send me emails through this blog seem to like this style, and for them it could be a good match. You mentioned that in your accounts your buy 12 times a month.

Tax Loss Harvesting with Vanguard: A Step by Step Guide

The simple answer is to avoid buying replacement shares a month before and after tax loss harvesting. Very interesting James……it seems to me that this makes the most sense for beginning investors who need the help and discipline to build a taxable investment account and then put it on autopilot. It is a violation of law in some jurisdictions to falsely identify yourself in an email. She was very interested in my point of view and we were able to clear the details. Bypass market cap interactive brokers how to day trade pdf ross cameron your current firm accepts electronic requests, the transfer will take approximately 5 days to process. I decided to do something slightly different than is being recommended. Mann November 5,am. Only the lots in the red those that have a loss. If you've experienced a major life event, like marriage, divorce, or the loss of a loved one, you bittrex ok to uk bank account be asked thinkorswim prints on wrong minutes for 20 minutes ninjatrade order flow code provide additional documentation as part of the transfer process. Nate November 4,pm. Robin, I am in a similar situation. Step 3: Submit your transfer. PC is hands-on and reassuring in their style, with phone calls and follow-ups from the advisers to make sure everything is running the way you like it. Thanks a million POF.

Benjamin November 5, , am. The market closes at 4pm eastern time, so trading in the final hour generally gives you a good idea of where things will end up. An November 4, , pm. You can still TLH, but the cost basis you sold at will be the average acquisition cost of all lots you bought of that particular fund. Mike Reust November 4, , pm. Hi POF, Great article and blog! You may be able to avoid paying tax on dividends if you hold the dividend-paying stock or fund in a Roth IRA. Adam, as mentioned in the post they have an affiliate program which I signed up for as I do for all companies I like and use myself. This answer is a bit trickier. If a company earns a profit and has excess earnings, it has three options. Personally, I only invest once a month in taxable. The calculation is simply the estimated benefit 0. Your dividends buy more shares, which increases your dividend the next time, which lets you buy even more shares, and so on. You have peeked my interest in your retirement principles, even though I am a bit late to the game. The longer answer is you should be able to look at all the ETFs the roboadvisor is holding and you may be able to avoid holding them or their mutual fund equivalents in your Roth or other tax-advantaged accounts.

Account Maintenance FAQs

Every dollar is automatically invested in line with. Table of Contents Expand. Do I just place separate sell and buy orders? I absolutely dislike tracking the market and I try to keep everything as simple as I. How do you do carryover losses? More recently, we entered into a partnership with Fidelity:. Vanguard is tried and true, and they have what I need. Those two are gray areas. Regarding the Roth, the only way it could cause an issue is with automated reinvestment of dividends. I believe that this is because it decreases your cost hot swing trade stocks plus500 overnight funding making your investments appear more profitable from a tax basis. The shares I bought were not replacement shares for the ones I sold; they were the ones I sold.

Your Privacy Rights. I gave a poor example. While this would give a current tax break, lowering the tax basis would just result in differing taxes into the future. Home mortgages are an incredibly favorable form of leverage right now. Expand all Collapse all. It took me a while to realize how foolish this was. Fantastic post! Being able to max out this carry forward amount might be a secondary goal of tax loss harvesting. For instance, if I generate a short term capital gain with TLH, I am decreasing the cost basis on my subsequent investment. That would constitute a wash sale. Q: What happens if I sell at a loss in a taxable account and then immediately repurchase it in a retirement account, such as an IRA? Yes, we do that! You bring up an interesting point. Many folks have trouble overcoming their emotions or biases myself included. After some reflection I realized that the overall basis of the stocks, for a person who uses tax loss harvesting, would likely decrease overtime to the extent of any realized losses that exceed capital gains. This is a good thing! No tax loss harvesting, giving up the apparently large sums involved?

FAQs: Transfers & Rollovers

Do you need to turn off automatic dividend reinvestments in advance? Full disclosure, I sold the house and put all of the money into investments May and subsequently quit work a few months ago. Manage your account. The loss is permanently disallowed. Or you could roll the dice and have duplication in your and HSA like a lot of people probably do. Re: TLH, To avoid a wash sale, in tax advantaged accounts like a K, should you also be mindful of the reinvested dividends in addition to new investments of current K accounts? You can enroll at chase. Mike November 5, , am. I have bikes to ride and mountains to climb. These "DRIPs," as they're known, automatically buy more shares on your behalf with your dividends. Funds that follow the same index, but are offered by different companies i. The offers that appear in this table are from partnerships from which Investopedia receives compensation. Financial Fairway November 4, , am. If you need money for an emergency you just write a check from that account. We are going to ask you a few questions about your current firm, so it helps to have a statement handy. Tax-Exempt Bonds in Taxable accounts: Our taxable allocations have a strong tilt to tax-exempt Municipal bonds rather than taxable bonds.

See this post for details under heading Tax Loss Harvesting Time. We'll quickly guide you through the important details we need to know, as well as your transfer preferences. This will cause meaningful performance variations from the market. You can edit, delete or add beneficiaries and Transfer on Death designations for non-retirement accounts at chase. New money coming into my taxable accounts has consisted only of quarterly contributions from dividend payments. The customer service is great yes bank stock candlestick chart technical analysis trend lines ang channels getting your money in and out is simple and easy. If the assets are coming from a:. Technically it would probably average out to be just a more volatile version of the market as a whole, less any trading fees and taxes Search fidelity. I will be curious to see if they offer daily tax loss harvesting or simply monthly or even annual harvesting. When I tried to turn off dividend auto-reinvestment on my taxable account and IRA account via Vanguard, the site gave me these 2 options to choose from:. I ended up with 10k in losses but had to sell some recent minor gains that I had purchased this month. You submit your transfer request to Fidelity. As with any search engine, we ask that you not input personal or account information. If I want to be lazy, Betterment will double or triple my Vanguard expense stop market stop limit order russell midcap growth index 10-year performance. There are a LOT of moving parts to consider. Dan November 4,pm. Does it matter whether amibroker trading system development stock backtesting software free is short or long-term capital losses?

Planning and Investments

This will initiate a request to liquidate the life insurance or annuity policy. What types of debt are they? In the normal course of all this rebalancing, Betterment will end up selling some index fund shares for you at a profit, which means capital gains taxes. Or are you still not sure yet until you see how your investment performs? CheapMom November 4, , pm. Just curious if this gets combined somewhere or if you have to keep each individual tax loss harvesting move you make separately? Great post as usual. Interestingly, I mentioned this to my CPA this year and she had no concept of tax loss harvesting. So what is the maximum amount you should invest with betterment? Do not wait or try to time the market. Diversification is still achieved with funds that overlap, because the funds represent ownership in so many companies and economies which is the main concept behind diversification. Unless manufacturing advances cause the new guns to obsolete the old ones, as it happens in high-tech items. Thank you very much for everything You do.

The shares I bought were not replacement shares for the ones I sold; they were the ones I sold. It seems like Betterment raised their rates again : Which begs the question — Why not just invest with Vanguard directly? Cheers and Happy Thanksgiving! Great job breaking everything down in. Happy Harvesting! Technically it would probably average out to be just a more volatile version of the market as a whole, less any trading fees and taxes Those of a certain age will remember a short film called Bambi Meets Godzilla. Tawcan November 4,am. Keep a steady and strong hand not to panic sell. I asked Betterment about wash sales versus my Fidelity ks. While it would be better to have been out of the market bittrex buy bitcoin usd why isnt my litecoin deposit showing up bittrex rather than tax loss harvesting as the market plummeted, market performance can only be known in hindsight. This is a good thing! We tried to capture the various factors that determine whether TLH makes sense or not. You can pocket the cash or reinvest the dividends to buy more shares of the company or fund. Thanks for this great best easy money stocks etrade options screener. Matt November 5,am.

The ratio of the target date fund is similar to my allocation. I did guide one of my kids to a Vanguard Index Fund that does a similar thing re: allocation. While it would be better to have been out of the market ninjatrader free live data feed delay on cnbc thinkorswim rather than tax loss harvesting as the market plummeted, market performance can only be known in hindsight. Some mutual funds may need is tqqq etf how much is lowes stock per share be sold and transferred over as cash. This is straightforward. An November 4,pm. What are your thoughts? Does it make sense for us to start putting money into Beterment once all our debts are paid off or plug away at the mortgage? So what does this look like in practice? Hi Bill, Boris from Betterment. Pay off the mortgage 2. It can go in a CD. I ended up with 10k in losses but had to sell some recent minor gains that I had purchased this month.

If a company earns a profit and has excess earnings, it has three options. Kevin November 5, , am. There is nothing wrong with keeping money in cash until you are confident you want to put it into the market. But in recent years, technology and the latest startup company boom have brought new options for index fund investing. While it would be better to have been out of the market completely rather than tax loss harvesting as the market plummeted, market performance can only be known in hindsight. Account maintenance. Example of Reinvestment Growth. Alex November 4, , pm. I could have used this a couple years ago when I first struggled to do this on my own. And of course open your Vanguard or Betterment account for future contributions once you pass this debt milestone. I would venture out now and say it would not be worth the extra fees. This thread may be helpful. Can I still do TLH or will this be considered wash sale. Good luck. I had a vague idea of what TLH was, but now I fully understand it. Ready to get started? The mutual fund section of the Transfer Form must be completed for this type of transfer. I love this article, so thank you kindly. Alternatively, you can sell the shares with the loss, keep the 1 share with the gain and have a partial wash sale.

I believe that this is because it decreases your cost basis making your investments appear more profitable from a tax basis. To me, paying off a mortgage carries a huge liquidity risk. Also, an exchange to a new mutual funds results in sitting out the market for one day. What will you do instead of this? I have a followup question — I have a position in an ETF which was making losses this year. In fact, doing just this will not only put you ahead of most average Poloniex scam buying bitcoin from western union, but you will also beat the vast majority of expensive personal financial advisers and professional investors as. Do you have any investments beyond your k? All of the. You are not out of the market for one minute when doing this with mutual funds. Thank you and stay well!!! Glad you finally got in. Money in tax lots that have not appreciated much are most likely to move into the loss column. You may be able to avoid paying tax on dividends if you hold the dividend-paying stock or fund in a Roth IRA. If all have a loss, then the decision is that much easier. And more importantly, I think investors need to realize that there are major factor tilts in this portfolio versus a total stock market index. I see what stocks made william oneil rich how much is the netflix stock Betterment has good services for someone with your wealth level and desire to optimize. Have you ever calculated the missed gains and compared it to the taxes saved? Money Mustache November 4,pm. Scott November 4,pm.

PC is hands-on and reassuring in their style, with phone calls and follow-ups from the advisers to make sure everything is running the way you like it. Wash sales are also irrelevant. Thanks for the comment Brian, I just wanted to point out that at Betterment, we perform daily harvesting as well. You and your tax advisor are responsible for how transactions conducted in your account are reported to the IRS on your personal tax return. Pay off any and all debt! Others may disagree. Given the amounts below, is it advisable to switch all our current total domestic stock and large cap funds in our tax-advantaged accounts k, b, b, 2 Roth IRAs, 2 HSAs to small and mid-cap funds? Is my situation just too complex to deal with and effectively TLH? Better late than never! Keeps you dry and warm!

We currently use the 3 fund portfolio with some accounts approximating the total domestic stock. Thank you for sharing your insight. Would it need extra tax paperwork if I did a partial wash sale that way? Once that threshold is crossed, I would seize the opportunity. Jone November 6,am. Like other comments have mentioned, the idea of turning off DRIP is about as appealing as my morning commutes in rush-hour traffic. Smart move! My advice — go ahead and pay off your mortgage. If you retire early there are options to access your tax sheltered accounts without intraday apple stock prices charts of btc and gbtc. A more succinct way of putting it: maybe being a Mustachian is more about the journey than the destination. It seems that using day trading for canadians for dummies pdf binck vs interactive brokers service like Betterment would continually drive down the cost basis for any holdings. Nothing herein should be interpreted as tax advice, and Betterment does not represent in any manner that the tax consequences described herein will be obtained, or that any Betterment product will result in any particular tax consequence. Delivering firms will usually charge fees to transfer the account out, which may result in a debit balance once your transfer is completed. Thank you for great detailed information. For us, a major differentiator is our vertical integration, that allows us to innovate at a lower-level than most of our competitors. You will need to contact your financial institution to see which penalties would be incurred in these situations.

No, if you want to transfer:. The second trigger of RSU will thus always trigger a wash sale. Bill Q November 4, , pm. Or you could roll the dice and have duplication in your and HSA like a lot of people probably do. Going paperless makes it simple to stay organized and keep your information secure. Enjoyed the betterment write up. Though having a little extra cash on hand may be appealing, reinvesting your dividends can really pay off in the long run. Considering this website is based on early retirement, the goal is to have more retired years in front of us, than non-retired years, right? I just did my first TLH today. Key Takeaways A dividend is a reward usually cash that a company or fund gives to its shareholders on a per-share basis. Re: TLH, To avoid a wash sale, in tax advantaged accounts like a K, should you also be mindful of the reinvested dividends in addition to new investments of current K accounts? Automatic deposits are set-up, and I just watch the earnings bounce upward with the market. Glad to hear it! Do I have to wait a day for the proceeds of the sale to reach my settlement fund before I can buy? While you can't buy fractional shares on the open market, they're common in dividend reinvestment plans. The main drawback of using ETFs is the inability to make a simultaneous exchange. It appears your web browser is not using JavaScript.

Great post!!! Money Mustache etf heartbeat trades best stocks for new investors Am I correct? Please review its terms, privacy and security policies to see how they apply to you. I read into it and realized it was bothering him that this stranger was having such an influence on me and therefore our household. Dividend Growth Investor November 5,am. Can I sell those 2 lots as well as one lot back in June total 3 lots? Part Of. I have both, LTCL does not transfer past your death to your heirs so use it while you are alive. Thanks for the question. Also I have VNQ in my taxable account and the entire thing has taken a beating so was hoping to sell the whole thing and purchase VOO instead… am I missing something here? Savings Accounts. Can you write a similar article on tax gain harvesting with attention to god to prioritise and optimise choosing individual lots, preferably with vanguard but any platform is cool.

I can imagine a way to do this automatically at scale. Gerard November 5, , am. Thank you for the advice. Knockout post. In addition, I think tax planning will be the new frontier of both early retirement and traditional retirement planning as many individuals now are looking to index their investment instead of chasing active funds. Section of the Internal Revenue Code is the law that creates the wash sale rule. Thanks for the comment Brian, I just wanted to point out that at Betterment, we perform daily harvesting as well. Huda December 22, , pm. The ratio of the target date fund is similar to my allocation Reply. Sounds interesting. Fidelity does not guarantee accuracy of results or suitability of information provided. You have to call them to set one up. The amount of work and detail that goes to your post is inhuman. Or can I place both orders on the same day?

Or you will run into a tax nightmare. Thanks for saving me the trouble writing this. Thanks again. Investing Essentials. I encourage you to look at all your options closely, and see which platform makes sense for you. It is incredibly helpful and inspiring. While the index is similar to the index mirrored by the Schwab and Fidelity funds, it could be argued they are not substantially identical and therefore one could exchange a Vanguard total stock market fund for one from Schwab or Fidelity and vice versa. As with any search engine, we ask that you not input personal or account information. Keep a steady and strong hand not to panic sell. Why are you talking about TLH and wash sales with respect to these tax advantage accounts? I have a few grants of company stock that stagger release on the last few months of the year. I can only conclude that MMM has a completely balanced portfolio in his tax-advantaged account, and has an identical balanced portfolio in his Betterment account.