Reviews such as nerdwallet and investopedia from late 2022 and early 2023 say VG’s DAS does not have TLH, but VG’s current DAS page lists it as a feature. So, I wonder whether VG recently added the feature. That would mean nobody probably has much experience.
I did $6k in TLH myself last year, which will spread ove two tax years, so I know how valuable it is. That said I have skepticism about the need for automation of it. I didn’t turn on automated TLH when I used Betterment for four years. If I were to consider it I would need to have a lot of detail about how it’s going to work. I searched VG for the level of detail I would require, such as the below bullets, and I did not find any info:
– how does VG identify the conditions that will trigger a TLH sale (% loss threshold for example)
– are there criteria governing the shares to be sold beyond just the existence of a loss (e.g., shares have a min holding period before could be TLHd, min $ value of loss, whole share/partial share criteria, etc.)?
– how are TLH pair funds identified? Per your question, you will not just have VTI if a TLH is executed. A TLH pair fund will be purchased as soon as possible for each TLH sold fund.
– what is maximum timing delay for being in cash from the TLH sell and the TLH pair buy.
