The Detroit News. I'm two to five years from retirement and we have not yet funded our 2000 and 2001 Roth IRAs, which we plan to do from our cash accounts.
Procrastination pays off.
Had we funded our IRAs last year at this time, we would have lost value. Last year, many mutual funds sold securities, thus, generating gains from those sales. The first issue in determining whether you should sell these two funds is your goals and objectives. The fact that you are retiring in two years does not say much. On the other hand, if you do not need income for closer to five to seven years, then it may pay to stay with these funds.