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Over the last four years, I've invested about $3000 in mutual funds for an IRA (now Roth). Since I've recently started to become Foolish, I'm considering cashing these out towards getting into the FF. However, the funds have something like a 5-year span until they are no-load on selling. They're performing pretty well, 17% average annual return total (one's a LOT better, one worse).

If I cash them in next fall, I will have enough money to start a FF portfolio Dec 00. Otherwise, it will be two years from now before I start the FF. I will not be contributing much (<$500) between now and next fall to my retirement accounts (for good reasons). Then it would take a year to get enough to make the purchases worthwhile.

My question is: Should I go ahead and cash these out next fall even though I will get hit with some fees on them in order to get a year's start on the FF? Or do I just keep them around until the loads are mostly gone (3-4 years from now)?

Thank you!
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