If you had left it at T. Rowe Price, would you have been trying to time the market, getting in at lows and getting out on highs? No? Then there is no reason to try to time this particular transaction. From a net worth standpoint, you had 300k invested before, you should have 300k invested after, it doesn't matter that at the earlier point, it was at TRP, and now it's at Vanguard. You had to be out of the market for the short time it took to process the transfer, that's unavoidable, but no reason to extend that.