Subject: Re: Direct Indexing with Tax Loss Harvesting
“Most fees for U.S. large-cap indexes start in the ballpark of 0.20% to 0.40% and fall as account balances increase. At Schwab, for example, fees fall from 0.40% to 0.35% once an account has more than $2 million. Fees can also be higher for international or more niche indexes.”

No experience with direct indexing, but am surprised at the high fees.

Tax loss harvesting soon becomes ineffective. I haven’t done any for years. 2020 was the last time, and that was simply swapping out an index ETF for Berkshire.