Planning to sell in taxable this year to raise cash so I can max out traditional 401k. Will be all long term capital gain and my calculations have me wringing out a few extra thousand in tax savings. Trick is going to be selling and buying (similar but different indices) at the same time to stay in the market since workplace doesn't always buy precisely on payday and taxable holdings are all ETFs (versus mutual funds in 401k). More trouble than it's worth? Wish I made enough to max out without selling, but that's a topic for another day.

[–] [email protected] 2 points 4 days ago

Eh, a few percent swing in your allocations isn't going to matter much. I don't know how much you're planning to sell, but it's probably not going to matter.

My personal rebalance threshold is about 5%, but honestly, that's still likely noise in the long-term. If it's less than that, just sell and adjust your allocation as needed and then go back to living life.

If this is a significant portion of your invested assets, then it matters a bit more, but a few days also isn't going to matter either.

[–] yenahmik 3 points 1 week ago (1 children)

I don't think I would sweat a few days either way. I'd just automate to sell on payday (or whenever makes the most sense for you) and if you're out a few hundred dollars from the market for a few days, it won't even be noticeable in the long run.

[–] [email protected] 1 points 6 days ago

That makes a lot of sense. Appreciate the sanity check.