This seems like a pretty open topic thread for TLH questions... hope I'm not hijacking.
Is it smart to TLH during accumulation?
I've bought 16000 worth VTIAX/VTSMX this year, and its basically down 2k. Based on our incomes/taxes, I think this would save us $300 in taxes this year. Would it be smart to TLH?
Can I sell VTIAX and VTSMX and buy VFINX?
By selling, you realize the loss, and you invest your cost basis in another fund, if the market then returns (say in 30 days), aren't you going to realize a gain to sell and buy back into your asset allocation?