Thank you for all the replies. I know now that I should have made it clearer that i'm looking for tax reporting consequences rather than money saving consequences. Market timing is definitly not my thing, where as long term buy and hold is. The thing is that this year will be the first year that I am no longer claimed as a dependant and am planning on filing my taxes myself so I didnt want ot cause too much extra paperwork that could have been avoided. Thanks again allIF
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