I personally would not pay a lot of tax just for clean-up purposes. The holdings are already mostly S&P 500, which strongly tracks Total Stock Market, so I would just keep that. To keep things trending in the desired direction, I would direct all dividends to TSP, as well as all new investments in US stocks. As you say, it might be a good time for transitioning if a crash downsizes the gains in the non S&P 500. If the gains turned to losses you could even harvest them and save a little on taxes. Image may be NSFW.Will I not need to re-balance among the three US funds if I want it to continue to track the total market? If I must, then I am exposing myself to unnecessary tax liability that I could have simply avoided by going for a total market fund?
Given that I can easily access a total stock market ETF or MF for all my accounts, should I move things over into that?
Clik here to view.
But maybe that would be a Image may be NSFW.Clik here to view.
. Or, Image may be NSFW.Clik here to view.
If you are contributing to the retirement accounts, over time you will gain more room to do desired rebalancing there, without tax consequences.
Statistics: Posted by mhadden1 — Sat Dec 07, 2024 9:56 am
