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Portfolio Diversification and Tax Loss Harvesting: Coordination Tips

Diversification is one of those ideas people like because it feels tidy. You own a range of assets, risks don’t all hit at the same time, and the whole thing should hold together. Tax loss harvesting, on the other hand, is rarely tidy. It is driven by the calendar, by realized gains and losses, and by the tax rules that decide whether a loss can do useful work this year or only later. When you try to do both, the friction is real. Sometimes diversification choices create