Quote:
Originally Posted by hikernut
Well, my point is that you can always realize a gain if you want to. Take your gains in an ETF each year if you like, or defer them. The share owner is in control here.
The opposite is not possible. If a fund sends you a distribution, the taxes are due that year. There's no choice to ask that the gains be deferred.
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sure you can do it over time , of course that is when things go to plan .
in our case we bought a 2nd home in PA.
next thing we are looking at is relocating and retiring in pa and calling it quits at the job .
so circumstances dont always have time to adjust to what you want and really are just done on the fly as plans change.
millions of older workers found similar situations with covid as their clock was accelerated and they retired unexpectedly and now no longer wanted those higher equity positions .
so those tax efficient index funds certainly can be a double edge sword if plans changed unexpectedly and investing strategy changes
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