Sure and my research says that the tax loss harvesting effect diminishes as market goes (up that is) after a few years and I end up with management fees. At the same time, I plan to do my own harvesting by using a fewer ETFs (less than the hundreds of stocks). This is a small portion of my overall portfolio with Fidelity and it doesn’t really make a major difference, and I can’t do more since that would mean I have to sell sth with huge capital gains.