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1st-timer I just started up Roth IRAs w/a famous online disc. broker, for my wife & myself. I should be able to trade on both eff. Jan. 20th. I intend to utilize the RP4 variation. FOOL: Thank you for making it so simple!

?: What is the potential tax loss if I were to reconfigure my holdings on Dec. 1st, 2000; instead of holding them until Jan. 22nd, 2001. Wouldn't it prudent to do so before the accounts have had time to appreciate? (& thus set my account up for the next 25 years of 366 day holding periods).
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