I changed my time horizon from 13 to 3 years, I'm in the 22% tax bracket, have a taxable account with M1 Finance with DLS, VWO, and EWX(VBR and IJS I sold off for profit on Oct. 5th), and would like to sell some of my international index fund DLS, as I'm down $1,956.00. I started this taxable account beginning this year, and so far all my international ETS's have earned $810.00 in taxable dividends that were used to buy other ETS's in the portfolio. If I sell $810 of DLS and just get a broad based fund with the money, I'm still losing money overall right, and not breaking even?