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JABoa and all, I must apologize for not reading the entire post by Selphiras. What I read was the second post in the thread, which only included part of the original question. That is what I based my answer on. Taking into account there's an end load to this fund makes JABoa's point easier to relate to.

Also, I should have also pointed out to wait until Feb, in order to capture long term cap gains tax rate.

The principle of staying out of the market if you have short term needs may not apply as much with a 3 year window, but Selphiras needs this money in 9 months, which increases the risk more so that 2-3 years.

Lastly, if Selphiras only wants to commit a certain portion of this money to the wedding, we cannot assume it's all for the wedding. He must change his mind about that, then having the extra amount available to act as a reserve if the fund does take a turn for the not so good.

I think waiting until at least Feb to decide when to exit the fund is my improved opinion (yes, just an opinion). Let's just hope load funds are completely out of the picture for our fellow Fool frrom now on.

I also promise not to respond to any posts unless I know the entire question. No more looking for the first response and starting there.

Thanks for letting me remain here.

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