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International tlh

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  • Phoenixdown99 Phoenixdown99 
    Participant
    Status: Physician
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    Joined: 03/20/2017

    I just decided to TLH my international vanguard fund. VTIAX to VMNVX. For some reason only a few International funds were available— the one in the WCI tutorial was not. I just picked one with a low ish expense ratio. Is this ok?

    #239670 Reply
    Avatar Peds 
    Moderator
    Status: Physician
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    Joined: 01/08/2016

    why didnt you pick VFWAX?

    #239688 Reply
    Phoenixdown99 Phoenixdown99 
    Participant
    Status: Physician
    Posts: 160
    Joined: 03/20/2017

    VFWAX did not seem to be an option to choose…many of the international options were blocked out. Perhaps because I was doing it on a Sunday afternoon? Should I sell the new one and try to buy another one?

    #239778 Reply
    Avatar Peds 
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    Status: Physician
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    Joined: 01/08/2016

    Is your money at Vanguard?

    #239782 Reply
    Phoenixdown99 Phoenixdown99 
    Participant
    Status: Physician
    Posts: 160
    Joined: 03/20/2017

    yep

    #239787 Reply
    Avatar Peds 
    Moderator
    Status: Physician
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    Joined: 01/08/2016

    Did you go back and check?

    #239790 Reply
    Phoenixdown99 Phoenixdown99 
    Participant
    Status: Physician
    Posts: 160
    Joined: 03/20/2017

    it seems available now but not for this account because the transaction is “in progress”

    Should i switch once it is done?

    #239842 Reply
    Lithium Lithium 
    Participant
    Status: Physician
    Posts: 1177
    Joined: 02/15/2016

    You may have a STCG but I’d definitely switch.

    #239862 Reply
    Avatar saildawg 
    Participant
    Status: Physician
    Posts: 335
    Joined: 01/24/2016
    STCG

    Click to expand…

    VTIAX-> VFWAX is the best option, additionally you could use 80% VTMGX / 20%VEMAX

     

    I would change VMNVX as it is only 0.77 correlated vs VFWAX is 1.0

     

    #239868 Reply
    Phoenixdown99 Phoenixdown99 
    Participant
    Status: Physician
    Posts: 160
    Joined: 03/20/2017

    ok, thanks!

    Another question — after 30 days do you buy back the original stock? VTIAX

    #239897 Reply
    Avatar Peds 
    Moderator
    Status: Physician
    Posts: 4447
    Joined: 01/08/2016

    Only if you have another loss.

    #239899 Reply
    Lithium Lithium 
    Participant
    Status: Physician
    Posts: 1177
    Joined: 02/15/2016

    And it’s 31 days.  Honestly I think you need to do a lot more reading.  Have you gone through the wiki on bogleheads? ( https://www.bogleheads.org/wiki/Tax_loss_harvesting )

    #239904 Reply
    Liked by Peds, MaxPower

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