Both approaches are valid, and they aren’t mutually exclusive. Avoiding unnecessary capital gains by thoughtfully managing holding periods is always sound. Tax-loss harvesting adds value by systematically capturing losses in down positions, which may offset gains elsewhere in the portfolio and reduce current-year taxable income. Done well and consistently — rather than only at year-end when the best opportunities may already be gone — systematic loss harvesting may produce meaningful tax savings over time without fundamentally altering your investment strategy.
We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.
