Don't you realize partial gains? Even if you only save the same shares and ETFs, you can realize partial sales in boom phases and reinvest in your savings plans when prices fall. PS: Shares that you acquired before 2009 are of course excluded.
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@Miyamoto As far as I know, all ETFs were acquired after 2009, for individual shares -> quasi prohibition of sale by the employer, FSA is exhausted by distributions and a rollover of ETFs (sale with new acquisition to realize the deferred tax burden) requires a time interval of at least one week (I mean?!) and two notifications (sale and "repurchase"). I had already considered selling the mini positions in individual shares and shares with particularly high hidden liabilities (e.g. my first 20 $DBK ) at the same time as shares with high reserves (my first 20 $AAPL ), but I shy away from petitioning my employer, which would probably be necessary for this...
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