Many many factors come into play when dealing with taxes so just holding WDRP for a year might not make any difference at all. And besides, several here were holding for $1 PPS anyways so they will have easily had the stock for over a year. You need a balance between pretax and post-tax retirement monies IMO. Pay 15% now or pay who knows how much more later. Besides, look how much I will be saving on my hot water bill after I install these WDRP water heaters!!