Buying and Selling in the Same Market Conditions?

If you're selling and buying in the same market conditions, then the crystallizing a loss is not really that pivotal. The concern might be the time lag for the trade to settle - which could take up to five days. But being 33 years old, you've got 20 plus plus plus plus years if you're going into a fund that suits you better. Are these worth checking with your pension fund because there are some providers and platforms that will pre-fund the switch.