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perseid wrote:
<<The reason I'm asking, of course, is that my stock-invested IRA is worth less while the market is down, so it's to my advantage to have its value counted on a date when its investments are "pressured.">>

An easier way to lock down your losses/gains would be to simply exchange into a money-market fund within the IRA, then rollover the IRA into a Roth-IRA.

Yes, you might miss out on an up day in the meanwhile. But if you're letting tax considerations direct your hand - then you're letting tax considerations direct your hand, rather than the market.

If you do the rollover to a Roth within the same brokerage or fund family, I can't imagine it would take very long, so you probably wouldn't miss out on much. I'm considering doing the same thing, but I'm not too worried about whether I hit the day on which my IRA holdings are their most depressed for the rollover. I don't think the market's going to rise _that_ fast...

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