grabiner wrote:You don't actually have to sit out when you harvest your gains or losses; if you sell $5000 worth of stock for tax reasons, you can sell $5000 worth of bonds in your 401(k) and buy $5000 worth of stock to keep the same stock allocation.
True, that's a good point. The only issue I see there is then I have to wait 60 days to contribute to the Bond fund again in the Roth because of frequent trading policies. So that would be 60 days in a money market fund instead of the bond fund. Plus, I dip below Admiral status although may not lose it in the two months.
Overall, the whole thing seems too complicated. I'll probably just wait to contribute to the Roth later in the year.