[n72]

Oh, and I tax loss harvest at the end of the year if any funds are down for the year by the end of December. Again, this is maybe 10 minutes per fund. 5 minutes for selling a fund, 5 minutes for buying a similar fund (and making sure I don't get into a wash sale situation.) So, that's at most, say, 20 minutes a year.

[astrange]

The end of the year isn't the best time to capture tax losses. And where do you go to get trades with fractional shares for less than 0.25% in trade fees?