Been thinking about this variation on buy-low-sell-high for a while, and wondering if someone here can help.
I give as much as I can to various charities and causes. Not rich enough to be in a high tax bracket, but enough that giving tax-efficiently helps. Since I don't have the nerve for stock trading, I'm mostly in boring sector funds and such. So it's rare that I have significantly appreciated assets to give away as QCDs.
I'm wondering if there could be (or already is) a fund with a portfolio whose components swing widely, but on net do no worse than the market. Then the investor can store money there, giving away whatever's made the best gains in any given year, and wait for the rest to go through ups and downs.
Does this make sense at all? Is anyone already doing it?