请教关于wash sale的问题，加了wash sale的定义

从两个月前，断断续续买了同一种科技股指数。这段时间股市跌，没忍住，最后一次买是4月19号。但是这个月忽然需要用钱，需要的金额正好是把所有持有科技股指数卖掉的钱。看趋势不一定会盈利。如果要避免wash sale，是不是只能5月20号之后卖？用的是vanguard，一般卖完之后多久能钱到账？

Wash sale: buy at X, sell at X1, buy at X2 within 30 days, the loss at X-X1 is not recognized, if sell and buy occurs within 30 days. 

You only have buy at X, buy at X1, buy at X2, sell at X3.   The loss at X-X3, X1-X3, X2-X3 are recognized.   

转帐到你的银行账户需要几个business days，主要是因为你卖出进入settlement里的资金需要大约二天左右settle (虽然是可以用这些钱立即trade购买基金、ETF、个股）。

一共买了19次

A wash sale is a transaction in which an investor sells or trades a security at a loss and purchases "a substantially similar one" 30 days before or 30 days after the sale.1 This is a rule enacted by the Internal Revenue Service (IRS) to prevent investors from using capital losses to their advantage at tax time. The wash sale rule applies to stocks, contracts, options, and all other types of securities and trading.

buy X, buy X1, buy X2, sell X3, where X2 is bought within 30 days of selling X3.  

X-X3 and X1-X3 loss are recognized, and X2-X3 are wash sale and loss are not recognized. 

比如你90块买NVDA， 80块卖了。 10块钱就是Loss。

假设你卖了以后30天之内，又用90块，NVDA买回来了，然后一直到年底都没有卖，不管浮盈还是浮亏。

那么这10块钱就不不是Loss，但是你没有卖的这个NVDA的成本就是100，而不是90了。

哪怕只留一股，都会trigger wash sale

这样买卖交易两次不构成wash sale，要至少三次交易才会有wash的问题

I really don't see any point to even think about wash sale in the situation you just described. 

没必要非要拼命避免。