I am considering selling a mutual fund in a Roth account that I have had for less than a year. Since Roth and traditional IRA accounts are tax sheltered and capital gains only apply when distribution occurs when retirement, should I be worrying about selling the fund before keeping it 1 year for any reason except transaction fees incurred when the fund was bought?

  • what are you doing with the proceeds? is it going into another Roth? or are you spending it? Jan 14, 2012 at 21:15
  • 2
    No need to put in "another Roth." The funds stay in the account for re-investing. This is normal to buy and sell inside these accounts. Jan 14, 2012 at 23:07
  • but that is a question only the OP can answer. Jan 15, 2012 at 1:50

1 Answer 1


No. Can't understand why would you even think about it. The only thing to consider is the early sales fee, if its a NTF fund. Capital gains in the IRA/401k accounts are not taxed at all, so there's no difference whether you hold it more than a year or not.

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