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i'd think that letting the money stay in the account earning tax-deferred would be useful (IF you don't need the withdrawal)
By December, tax loss selling can depress the market.

i guess i'm skeptical that 'tax loss selling' will depress the market below ,say, March, during early to mid-December , BUT

It is a significant risk to wait until the end of the year and hope that nothing goes wrong.

that's a good point (same as PHil's?)*** happens... wait till Dec. and there might be sickness, accident, crossed-signals at Brokerage ..etc?

which could be a real mess on the tax side
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