Tax Loss Harvesting should NOT just be done in December. It should be done throughout the year. But to do tax loss harvesting you need to have investments which actually you can tax loss harvest.
Bonds don't grow. Have I ever said that? Oh, a million times!
But what if you own bonds in your taxable accounts and stocks in your tax deferred accounts?
You're making FUNDAMENTAL investing mistakes beyond just tax loss harvesting which I explain in this video.
