I have no income except for $25,000 in Social Security. In 9/18/15 I bought VTSAX for $49.57, on 9/29/15 I sold VTSAX for $47.19 and bought VFIAX for $173.81 and harvested around $19,000 of loses, a few weeks ago VFIAX had gone up to where I now had $19,000 in gains if I had sold it. I did not sell it because I was goin to wait a year so that it would be long term capital gain, but on the other hand I did have the $20,000 of loses that would of made it a wash and I would not have to pay any taxes. Now my account in VFIAX is down about $10,000.
Having trouble executing this harvesting tecknics, Should I have sold it and bought another fund ?
What would of been the best move then and now ?
Thanks in advance.