Normally you want to grab a tax loss ASAP. Worst case I've seen was a scam investor who killed himself after incurring an unrealized loss that might have been as much as a million dollars (he kept averaging down for 15-20 years).
He COULD have benefited from that huge tax loss while alive, but it was worthless to his heirs. His three kids.
If you like MMRF (for some crazy reason) you can always buy it back after 30 days. That way, you get the tax loss AND still own MMRF.
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