So I'm thinking about putting my taxable account at Betterment, largely to take advantage of the automated tax loss harvesting.
Betterment uses a lot of Vanguard ETFs, including TSM.
His/Her IRAs and 401(k) at Vanguard, HSA at a custodian that has access to Vanguard funds. 401(k) is in VBTIX, VTSNC, and VITSX mutual funds, IRAs and HSA are in VTSMX.
As long as I stay in mutual funds at Vanguard, am I at risk of triggering a wash sale because the mutual funds are substantially identical to the ETFs?
Edit: Moved this here from the investing forum.