Over time the annual fees of 1% or so that most stock funds carry eat away at your money. Look at how much less you can expect to earn from an equity portfolio that charges 1.5% compared with a broad-based index fund charging just 0.2% a year.
So as you move your money - to harvest tax losses (No. 1), grab up bargains (No. 15 or No. 16) or rebalance your portfolio (No. 17) - choose mutual funds with annual expense ratios that are below their category averages.