This is my first year with a taxable account. I have $6k in VGTSX and $11k in VTSAX. I have capital gains of $29 in VTSAX and losses of $140 in VGTSX. These are pretty small amounts, but with tax loss harvesting I would capture $35 in tax savings. My balance of VGTSX is small enough that I could exchange it for VTSAX and just repurchase VGTSX later in the year after contributing to the 401k/IRA.
But is that worth it? At what point is it not worth pursuing TLH when the option is available? What if the asset price comes up during the day when I'm not looking and I end up with a capital gain?
My problem with TLH is that I'm having trouble setting up a precise framework for how and when I want to TLH - for example, whether to exchange for another fund, or allow the proceeds to sit in my settlement fund for a month, or do nothing at all. With a much larger amount if money, I imagine TLH could throw your AA out of wack pretty easily. Does anyone have any advice on how I can formulate my TLH strategy for future years?