Thoughts on Transferring to Increase Odds of Breaking into IBD

I'm wondering about people's thoughts on transferring to increase the odds of getting a job in IBD. Is there a big difference between transferring after the first or second year of undergrad? Also, if the plan to transfer is solely based on a better chance of a job at a BB/EB/Top MM and has nothing to do with wanting to get out of your current school, then how do you know if you should transfer (i.e. how do you know your recruiting chances are so bad at your current school that you have to transfer for a shot at IBD)?

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