I have some shares of American Funds EuroPacific Fund (AEPGX) in a taxable account. They were purchased in 2008 at about $35/share and are now sitting at about $47/share, but fund has decreased about 3% this year. I am planning to move this money to Vanguard. Given that I have both taxable income this year as well as some capital gains, would I be better off selling the shares and then depositing the money in Vanguard to take advantage of tax loss harvesting, or just moving the money as an in-kind transfer? Thanks in advance for helping me learn to evaluate this decision!