There is a difference between a mutual fund that has to sell because of net redemptions and a mutual fund that sells because the fund performance has been impacted by the drop in value of a particular stock.

When a mutual fund manager does a cross between accounts, that does not mean that they have 'sold' the stock, they are just getting the best tax advantage that they can, and pad a bonus from another account that will all of a sudden look good because theIR .10 cross made money in a different account when the share price goes up .02

If you base you decision on what you think the bank is doing, then you will lose every time. They are not in the business of making you money, they are in the business of making their own shareholders money. While you are buying the stock to hold and make gains over a long period of time, they are making money on the stock going up and down and need to do so in a short frame of time.