Option one is to not sell anything and just adjust new contributions, if those exist. If you decide to sell just one, FSELX is probably a better choice to sell than FBGRX (which one could make an argument for holding), but you could sell both. I actually hold FSELX but am myself thinking of selling.
If you want to sell both, you might as well sell them now. The taxes won't be terrible.
It seems you would like to hold both total US and total international + small US and small international. You could look at FISVX for small cap value US, if you are so inclined.
Just as a side note, consider that total international funds are not quite as tax efficient as total US.
If you want to step over to the dark side, my recommendations for small funds for a taxable account are AVUV (Avantis US Small Cap Value ETF) for US small and DISV (Dimensional International Sm Cp Val ETF) for international small. Both are value tilted - I consider AVDV (Avantis International Small Cap Val ETF) to be superior to DISV in a vacuum, but DISV appears to be more tax efficient.
I wouldn't consider FISMX. It actually isn't a terrible fund in terms of factors, but compares negatively to Avantis/Dimensional funds in performance and expenses. I wouldn't look at anything with an ER > 0.5% unless it does something completely different than an index fund - I personally hold several expensive funds, but they are either managed futures or leveraged.
If you want to sell both, you might as well sell them now. The taxes won't be terrible.
It seems you would like to hold both total US and total international + small US and small international. You could look at FISVX for small cap value US, if you are so inclined.
Just as a side note, consider that total international funds are not quite as tax efficient as total US.
If you want to step over to the dark side, my recommendations for small funds for a taxable account are AVUV (Avantis US Small Cap Value ETF) for US small and DISV (Dimensional International Sm Cp Val ETF) for international small. Both are value tilted - I consider AVDV (Avantis International Small Cap Val ETF) to be superior to DISV in a vacuum, but DISV appears to be more tax efficient.
I wouldn't consider FISMX. It actually isn't a terrible fund in terms of factors, but compares negatively to Avantis/Dimensional funds in performance and expenses. I wouldn't look at anything with an ER > 0.5% unless it does something completely different than an index fund - I personally hold several expensive funds, but they are either managed futures or leveraged.
Statistics: Posted by breakfastinbed — Thu Feb 13, 2025 10:18 pm