I understand, You also recommended I use VFIAX instead of VHCIX, but the reason I wanted to start harvesting with VHCIX is because I'm 60 and retired and I was looking for something less volatile than VTSAX & VFIAX and I noticed that VHCIX only declined 24% in 2008 where as VTSAX declined 37%, I know health care is not the safest but it has treated me very well over the past years.
I don't have another fund I can harvest with VHCIX, do you recommend one or any other two.
Do you use a third fund to harvest with VTSAX and VFIAX in case the market keeps dropping.
Thanks