Tax-loss harvesting vs rebalancing into VTI before a 2028 home purchase?

I have some old individual stock picks that are significant losers, plus a TSLA position with gains that roughly match those losses. All new money goes into VTI. Planning to buy a house in 2028 and will need to sell investments then. Is it better to sell the losers and TSLA now (net roughly zero tax impact) and roll everything into VTI, or hold the losers for tax-loss harvesting when I sell VTI in 2028? Any thoughts on the tax efficiency / opportunity cost trade-off? submitted by /

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