First time poster. I've been starting down the FI path the last five or so years now.
Had a few questions regarding my taxable investment account at Vanguard. I've currently been investing in Vanguard LifeStrategy Growth Fund (VASGX) with an expense ratio of .14%. I'm in a high tax bracket/living area and I've been looking at trying to reduce my overall tax rate. I'm considering moving out of VASGX to get a lower expense ratio and into more tax efficient funds.
From Vanguard I'm considering VTSAX, VTCLX, and VTMFX. None of these options provide me with as much diversification as VASGX but all have a lower tax impact and expense ratios.
I would have to realize $800 in gains to move on from VASGX. I have another taxable account that I started before I found index funds that I've been looking to liquidate that I could realize a $650 loss to help offset the end of year taxes. With the market flirting with correction territory now may be a good time to adjust funds in my taxable accounts.
What are your thoughts? Am I overthinking this and I should just keep it simple and keep throwing my extra money at VASGX?
