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.

Your Answer

By clicking “Post Your Answer”, you agree to our terms of service, privacy policy and cookie policy

Not the answer you're looking for? Browse other questions tagged or ask your own question.