Investors missing market days during custodian transfers face equal odds of avoiding gains or losses, data shows.
Transferring retirement accounts between custodians like TIAA and Fidelity does not significantly affect long-term investment returns. Market volatility, such as the S&P 500’s 8.86% year-to-date gain and 26.49% annual rise, highlights short-term fluctuations during transfer windows.
Historical data suggests investors are as likely to miss down days as up days. Roughly 75% of months and years see market gains, while 25% experience declines, balancing out transfer-related timing risks.
The VIX, ranging from 13.47 to 31.05 recently, underscores market swings, but long-term investors remain unaffected by brief transfer delays.