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Learning, Sharing, and Teaching => Ask a Mustachian => Topic started by: Swat on November 05, 2016, 08:20:41 AM

Title: Tax Loss harvesting wash sale rules with an HSA?
Post by: Swat on November 05, 2016, 08:20:41 AM

Just starting to explore the idea of TLH with my taxable account but I'm trying to understand some of the rules regarding wash sale rules. If I want to harvest a loss in my taxable account (TSM--> 500 index) but within 30 days, I automatically have money in my HSA invested into 500 index (company does automatic payroll deductions), is that considered a violation? Essentially, are HSA transactions figured into the wash sale rule?

Also, same question applies with 401k/403b. Are automatic investments made within employer sponsored accounts subject to the wash sale rule as well? I know they are with IRA/Roth IRA.

Title: Re: Tax Loss harvesting wash sale rules with an HSA?
Post by: Gin1984 on November 05, 2016, 10:07:06 AM

Yes they are.

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Title: Re: Tax Loss harvesting wash sale rules with an HSA?
Post by: cheapass on December 03, 2018, 02:05:20 PM

Quote from: Gin1984 on November 05, 2016, 10:07:06 AM

Yes they are.

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What is this assessment based on?

Title: Re: Tax Loss harvesting wash sale rules with an HSA?
Post by: walkwalkwalk on December 03, 2018, 02:20:03 PM

same post here: https://www.bogleheads.org/forum/viewtopic.php?t=202696

review the replies there

Title: Re: Tax Loss harvesting wash sale rules with an HSA?
Post by: cheapass on December 03, 2018, 02:25:22 PM

meh, I'll take the IRS's word on it.