I'm considering TLHing a couple funds that are in the negative now. I know they say not to time the market when it comes to trying to wait for a stock/fund to get as "low" as possible before buying. Would the same rule apply to TLHing funds? Or is there generally more strategy applied in this case? e.g. if a stock/fund is on a downward trend and is -10 today and dropping, is it prudent to just go ahead and TLH, or is it a good idea to wait a bit and see if it will drop even more before deciding to TLH? Problem is if I sell the current fund and buy another, the other fund has a 90 day short term redemption fee, so I want to make absolutely sure this is the right move to make now vs later.