I read it as a positive note. I'm not 100% either and ya, I feel the pain too! I think the cautious and maybe sensible way is to transition over 4 years. Then FIFO will mean that you are spending higher values says, as long as you do not spend more than that skinny saved 4 years ago. But then you are all in and pretty safe that your average is higher than trying to trade the market and purchasing chuncks or the "dip".