To clarify the question - will the performance of the market on a given day have an effect on our net gain/loss when selling the Chase funds and buying the Vanguard funds? If I sell the Chase funds for $100, I assume I am then using $100 to buy Vanguard funds. Thus, if Chase is going well, and Vanguard not, I am selling high and buying low, which would be a good thing for us. Admittedly, I do not have a full understanding of how these transfers take place, so perhaps there is an inherent delay in the process which makes timing irrelevant.