CG

Nuclear_N

Married....CG tax is 0 is taxable income is less than 90ish.

PHL1365

Thanks. I don't really care about CG taxes. I just want to avoid ordinary income so that I can maximize Roth conversions during this window.

PHL1365

Thanks. My goal would be to keep my taxable income to zero while I convert IRA money to Roth at the 12% marginal rate. I'd like to maximize the amount I can convert. I have no problem paying CG tax, which I understand would not impact my income for Roth conversion purposes.

2112-Bytor-2112

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ParticularAsk3656

This would only really affect rich people who run for office anyways, so CG would further deter wealthy from entering office. Which is a positive

Peripatetictyl

...It is a truly impressive number to a truly impressive number of people... Most people are not deliberating on the best way to handle $400K of CG.

will0593

No they should have to pay CG taxes just like we would. Who cares if they'd be selling due to political office

Sp4m

Just FYI, you're responding to your own post on C**E**TX, not **CG**TX.

FrankDrebinOnReddit

You could sell and rebuy shares. As long as you kept your realized gains to 40k or 45k or whatever the top of the 0% CG bracket is, you'd have no tax consequences.

rackoblack

Just try not to bump your marginal tax bracket into the next one with this extra CG income, so you don't pay the higher income tax rate on any regular income. If there's any chance of a low income year coming up in the next few years (taking a nonpaid sabbatical, for instance), booking gains in that year will get you lower tax rates, maybe even 0% on part of it.

TheBigCoool

On project here in CG to ramp up production. We are averaging over 90 units a day up from mid 60s. Cars are being built and there is a need to bring in outside help to ramp up production. Take that how you will.

hbk268


Sidebottle

I got caught with about 1k in hood on a yolo, not in an ISA, forgot about, now it's about 15k worth. There goes my CG allowance for the next 5 years.

Level_Impression_554

QSBS tax exclusion and thus tax free is a perfect example of how they laws are made by the rich to benefit the rich. Congrats on the big payout. I have a few shares that are QSBS but I think we are going lose our status so I will be at the CG rate.

Upstairs_Whole_580

Good job dude. I had everything in the market and lost mid 7 figures. Why? Because I didn't want to sell and pay the CG tax. But I had no idea how bad it would have gotten. If I was in a Roth, I'd have sold at 150 with him announcing tariffs. That was a scary time, but there was no question NVDA would be alright. I DID think it'd potentially go to 60 but Trump reversed course on the tariffs. But shit, I realized if I could go back and do 2024 over again, starting with my initial capital to start 2024, it'd take 5 trades(of stocks I DID invest in like SMCI, QBTS, RGTI, then NVDA again) and I'd be worth.... like 6B dollars! LOL... I mean, it's a silly practice, and just one that hurts. I feel like right now if I sold everything and put it in Eth, I'd see 3X returns this year. But I'm not going to do it(I mean, maybe I'll put 10% in there). But I don't have the guts to sell NVDA. I've been sitting for about 7 years and have added a few times. In fact, my big regret is I sold half my AVGO shares during this time. But I bought AMD, META, SMCI and TSM with the other half. But I'd much rather have kept all 8700 shares in AVGO. I would have also known to not invest in about 8 other speculative plays that cost me money. But fuck, you didn't have the benefit and you nailed it...so congrats!

plumpa-dumpa

OPTT had an amazing year between contracts and general relations with the Navy and CG… I think we are onto something here

iamfunny90s

What you said matches up with the animated explained video on it: https://youtu.be/OjpFZXvVP2M?si=-CG3QnaorE8U9ueU

AgreeableAct2175

Taxes... Nope. Depends on where you live.  I get a much better deal with a mix of divs and CG than I would with either exclusively.

jorcon74

All mining plays are about dividends not CG unless your are an insider! Playing mines for capital growth is juggling with dynamite, better to leave it to the pros and buy a mining ETF with a good dividend record!

HugelyIndecisive

Depends on the PE firm in question. There are a few that are publicly traded. Carlyle Group (CG), KKR, Blackstone Inc (BX) to name a few that are publicly traded. Most of them you have to file an additional Schedule K-1 with your taxes as they are a Limited Partnership. KKR does not have the Schedule K-1 requirement. I remember when this was approved and announced. It was a huge deal that they were the first and perhaps the only still that doesn’t have you have to file that Schedule K with your taxes. You can even correlate that event on their stock chart and see how the price went higher.

HugelyIndecisive

OP, don’t listen to these fools. 💯 Not true, Carlyle Group (CG), KKR, Blackstone Inc (BX) to name a few that are publicly traded. Most of them you have to file an additional Schedule K-1 with your taxes as they are a Limited Partnership. KKR does not have the Schedule K-1 requirement. I remember when this was approved and announced. It was a huge deal that they were the first and perhaps the only still that doesn’t have you have to file that Schedule K with your taxes. You can even correlate that event on their stock chart and see how the price went higher.

Untouchable-Ninja

Dude, you should read about the absolute annihilation that's happening in the VFX / CG community right now. Every month or two there's articles about a studio folding, and hundreds of people suddenly being out of work. I've been working in it for over 10 years, and I'd say that 60-70% of the people I know are struggling & looking for work.

baconography

Darth Cheney-esque, boomer megacorps like CG, HON, HAL, pretty much anything in the XLB sector.

guitartb

We have 40% in taxable,40% in IRAs/401ks, 20 in Roth. CG on taxable draws will be around 60% for our first year of retirement. We wont pay much tax at all until SS draw and RMD time. Flexibility is really what I’m getting at. Don’t put ALL of your eggs in IRAs, especially if you are retiring early.

MattieShoes

> Right, but every dollar of gains you draw from tax deferred is eventually taxed at ordinary income rates, instead of zero % CG rate. Far more likely instead of 15% CG rate. > If all of your draw is ordinary income can cause issues with ACA subsidies and IRMAA for medicare, and could easily force taxes on SS. It's not that there aren't downsides -- it's that there are upsides AND downsides, and generally the upside of retirement account outweighs the downsides. Quick and dirty envelope math ahead... lets say we want to throw in $10k towards retirement. The taxable account way: * Throw $10k into a taxable account, leave it for some decades. Now it's worth $100k. * Liquidate, pay $13,500 in capital gains on that $90,000 of gains, live on the remaining 86,500. * Have $90k AGI because CG is included in adjusted gross income, get lousy subsidies because you ain't broke. The retirement account way: * Throw $13,150 into a 401k because it's the same out-of-pocket ducking a 24% marginal income tax rate, leave it for some decades. It's now worth $131,500. * Take out $104,500, leaving $27,000 behind. Pay ~17.2% because you're traversing the tax brackets, live on the same $86,500. * Have $104,500 AGI, get lousy subsidies because you ain't broke. * Your $27,000 is worth about $30,000 the following year, roughly 1/3 of the way towards paying for the following year of retirement.

guitartb

Right, but every dollar of gains you draw from tax deferred is eventually taxed at ordinary income rates, instead of zero % CG rate.

_hiddenscout

>Meta eyes raising $29B to fund AI data center push, FT reports Meta (META) is eyeing raising $29B to fund its major push into AI, turning to private capital firms to finance its data center expansion in the U.S., the Financial Times' Eric Platt, Oliver Barnes, and Hannah Murphy report. Discussions between the social media giant and private credit investors have advanced, with major players including Apollo (APO), KKR (KKR), Brookfield (BAM), Carlyle (CG), and Pimco involved in the talks, the authors say, citing people familiar with the matter. Meta is seeking to raise $3B of equity from these firms and then an additional $26B of debt, the authors note.

EasttoWest9

Thanks for those reminders. I would have to wait until Aug. for it to become a long-term CG. It has swelled to 17% of my portfolio.

Better_Swimmer

Of course, you could sell the stock when the outlook turns negative, but then you're paying CG taxes (i.e., it's no longer a long-term / retirement investment). Not if it's a tax-protected account like IRA, Roth IRA etcc

UuuBetcha

Most of the answers I’m seeing amount to (paraphrasing): "sell each stock before the downturn, eat the CG tax, and move it into another stock with a solid 5-10 year outlook?" If I may rephrase my question: **Is there any way to assess the long-term viability of a company to the extent that it feels like a stock you can hold for 20-30 years?** For example, I know people who have had stocks in certain companies (TRV, IBM, MMM) for decades, having never sold them, even during downturns. So I’m curious if anyone has a way to assess that type of long-term viability.

UuuBetcha

What I’m asking is how OTHER people take into account the long-term life cycle of stocks. I proposed many potential answers to my own question, and based on the comments, one of my propositions was correct: "sell a stock before the downturn, eat the CG tax, and move it into another stock with a solid 5-10 year outlook?"

UuuBetcha

So, in other words (and tell me if I’m misunderstanding you)— Expect to sell your stocks and be prepared to pay the CG taxes. Yeah?

UuuBetcha

Yeah, that’s what I was thinking as well. Just means you’ll eat the CG taxes, but I guess that’s the price of playing.

KL_boy

It really depends on the country, and some countries do not even apply taxes of CT. In my case, the US has already applied a withholding tax on dividends, which I then claim when I pay the taxes, but my plan is to money box the CG when I am ready to retire in some country that does not charge CG taxes.

Limp_Incident_8902

I assure you I've seen more combat than 80% of infantry in the army/marines. You, like I, would be very surprised at what the CG has its hands in.

KL_boy

For me, it is the total returns after taxes that is important.  But some people like dividends as they don’t have to do anything, some people like them because the tax is lower than CG.  I personal do not like them as I rather see growth than dividends (usually more mature companies) and I pay less in CG. Also, it seems the US is also wanting to add more withholding taxes on dividends. 

txholdup

You aren't really asking what to invest in, you've already decided, the question you are asking is how to split it up or not. If I had an extra $25k I would buy some more IBM, MSFT when the price drops and might add BNS to my portfolio. I would also like to own some more CG. In the current market tariff driven roller coaster, I would wait until our fearless leader says or does something stupid and wait for the market plummet to add to any positions.

AtmosphereJealous667

Too much CG tax! I piece off to offset

dndnametaken

Forex and foreign stocks are different things. Forex I have never done. My 401k offers pre-packaged “options” which I can choose from; but I’m not sure others see the same thing. For example I allocated some to “CG EUROPAC GRTH U3”. It tracks a benchmark like an ETF, but it’s not available for anyone to purchase. About the market tanking and taking everyone down with it. Yes, if the US debt and stock market crashes it will drag everyone down with it. But not everyone will drop equally nor rebound equally. I am not a sage with a crystal ball, so what I’m doing is diversifying little by little over time. My most recent move was actually to sell stock and recast my 7% mortgage; it was a pretty safe bet.

Dry_Pound8158

https://www.reddit.com/r/wallstreetbets/s/KtPrcTH4CG

harrison_wintergreen

QQQ and VOO are OK by themselves. but they're not the only investments on the planet, and they won't always be the best performing options. - DODGX beat QQQ 1999 to 2020 https://imgur.com/a/spy-vs-lexcx-1999-to-2025-o6H41CG - IJR beat QQQ 2000 to 2025 https://imgur.com/a/ijr-vs-qqq-2000-to-2025-7OOKO5j - LEXCX beat SPY from 1999 to 2025 https://imgur.com/a/spy-vs-lexcx-1999-to-2025-o6H41CG

gamjatang111

CG's new stuff is nice, the old stuff is over done.

ColdCouchWall

Ass kissers in finance. The annoying fucks. Patagonia vests, deal sleds, SS sub. CG jacket in the winter Thinks they are Gordon Gecko while living in a 1 bedroom dump

Octavus

I live in Seattle and it's the same thing here, much less CG than a few years ago

Leading_Form_8485

Yeah, had puts. I live in nyc and montreal. No one rocks CG anymore. It's all mackage, moncler and moose. Ive been bamboozled.

ADrunkMexican

It makes no sense now, lol. But I bought one back in 2019 for maybe 1100? I was shopping for new winter jackets a few months ago. I ended up with moose knuckles. It was still 1100, but CG was like 1800, lol.

OwlMaterial4968


BooBrew32

Ralph's and Fred Meyer uses the same weird CG characters in their advertising and I'm tired of pretending they don't!

scorchie

I'm of the growing opinion that MMs are manipulating it so there isn't a considerable drawdown, which would spook "normal" investors into cash. They can't allow this for a few reasons: 1. Panic selling triggers a crash. No institution was positioned for the 10% drop from initial tariffs—Jane St. had to take out a term loan last week. Now, bid/ask spreads on everything are insane—thousands on each side at every single price point. Every intraday "dip" over 40bps is immediately bought into a reversal. 1. On this point, realized vol > implied vol.... Does a negative GDP print, empty ports, mass layoffs, rising withdrawals from 401ks (all documented, Google), and absolute chaos about anything, even near or mid-term.... Does VIX @ 25 seem optimistic here? Those dip buyers look more concerned about keeping VIX low than their DCA, lmao. 1. There is a massive disconnect from basic data points, such as foreign capital having fled US markets by 15%+ over the past few weeks (Google, a lot of coverage). So, where is that capital outflow being reflected in prices? It isn't. The outflows are documented, but where is their market reflection? 1. Privates (equity, credit, real estate) are distressed due to rising default rates and forced liquidations by endowments. It's so bad that [APO/BX/CG/ARCC](https://www.bloomberg.com/news/articles/2025-04-30/apollo-carlyle-buy-first-srt-tied-to-loans-to-private-debt-bdcs) and [D.E. Shaw](https://www.bloomberg.com/news/articles/2025-05-01/d-e-shaw-raises-1-3-billion-for-fund-targeting-risk-transfers) are raising capital for SRTs. This can't possibly be interpreted as anything other than banks being in serious trouble. Are those car loans and credit card balances with record missed payments [starting to catch up](https://www.bloomberg.com/news/articles/2024-05-01/rent-the-balance-sheet-banks-seek-ways-to-skirt-capital-rules)? Meanwhile, DFS/COF at ATHs....k. 1. You have a syndicated leveraged loan market - private loans held @ 50:1 [leveraged CLOs](https://www.bloomberg.com/news/articles/2025-04-14/clo-market-poised-to-freeze-raising-risk-to-us-leveraged-loans), with a default rate of \~5.6% in Dec'24 (COVID low was \~4.4% for reference), showing further [record distress](https://www.bloomberg.com/news/articles/2025-04-14/clo-market-poised-to-freeze-raising-risk-to-us-leveraged-loans) in April. Managers of these assets “print and sprint” the non-securitized/warehouse secondaries they hold because AAA traded below 1:1. Totes normal. 1. It is not getting enough coverage, but [Endowments ](https://www.reuters.com/world/us/harvard-university-exploring-1-billion-private-equity-stakes-sale-bloomberg-news-2025-04-24/)are forced to sell PE holdings due to Trump's tax threats. This is not getting the coverage it deserves because it will force liquidity and price discovery events to cascade across the private markets. So the.... you'd think, bad news listed above.... not priced in? Absolutely none of it? OK... let me continue.

scorchie

Tin foil hat, I know... but here me out: I'm of the growing opinion that MMs are manipulating it so there isn't a considerable drawdown, which would spook "normal" investors into cash. They can't allow this for a few reasons: 1. Panic selling triggers a crash. No institution was positioned for the 10% drop from initial tariffs—Jane St. had to take out a term loan last week. Now, bid/ask spreads on everything are insane—thousands on each side at every single price point. Every intraday "dip" over 40bps is immediately bought into a reversal. 1. On this point, realized vol > implied vol.... Does a negative GDP print, empty ports, mass layoffs, rising withdrawals from 401ks (all documented, Google), and absolute chaos about anything, even near or mid-term.... Does VIX @ 25 seem optimistic here? Those dip buyers look more concerned about keeping VIX low than their DCA, lmao. 2. There is a huge disconnect from basic data points, such as foreign capital having fled US markets by 15%+ over the past few weeks (Google, a lot of coverage). So, where is that capital outflow being reflected in prices? It isn't. The outflows are documented, but the market reflection of them... where? 3. Privates (equity, credit, real estate) are distressed due to rising default rates and forced liquidations by endowments. It's so bad that [APO/BX/CG/ARCC](https://www.bloomberg.com/news/articles/2025-04-30/apollo-carlyle-buy-first-srt-tied-to-loans-to-private-debt-bdcs) and [D.E. Shaw](https://www.bloomberg.com/news/articles/2025-05-01/d-e-shaw-raises-1-3-billion-for-fund-targeting-risk-transfers) are raising capital for SRTs. This can't possibly be interpreted as anything other than banks being in serious trouble. Are those car loans and credit card balances with record missed payments [starting to catch up](https://www.bloomberg.com/news/articles/2024-05-01/rent-the-balance-sheet-banks-seek-ways-to-skirt-capital-rules)? Meanwhile, DFS/COF at ATHs....k. 4. You have a syndicated leveraged loan market - private loans held @ 50:1 [leveraged CLOs](https://www.bloomberg.com/news/articles/2025-04-14/clo-market-poised-to-freeze-raising-risk-to-us-leveraged-loans), with a default rate of \~5.6% in Dec'24 (COVID low was \~4.4% for reference), showing further [record distress](https://www.bloomberg.com/news/articles/2025-04-14/clo-market-poised-to-freeze-raising-risk-to-us-leveraged-loans) in April. Managers of these assets “print and sprint” the non-securitized/warehouse secondaries they hold because AAA traded below 1:1. Totes normal. 5. It is not getting enough coverage, but [Endowments ](https://www.reuters.com/world/us/harvard-university-exploring-1-billion-private-equity-stakes-sale-bloomberg-news-2025-04-24/)are forced to sell PE holdings due to Trump's tax threats. This is not getting the coverage it deserves because it will force liquidity and price discovery events to cascade across the private markets.

TheCommodore44

The new Type 55s are roughly comparable to a US Ticonderoga class CG, in terms of firepower but we only have estimates for softer factors like Ewar and sensors. Not to be underestimated but also not bleeding edge either. That said, they are building plenty of them. USN will still have dominance globally but in the Pacific in the immediate vicinity of China the PLAN has the benefit of being backed by PLA missile forces on the mainland and the PLAAF. But they wouldnt be able to defend the vital trade chokepoints further afield. A US blockade of oil through the straits of Malaca would cripple them - its one of the reasons China are pushing so hard for renewables and nuclear to reduce depending on oil imports to a more acceptable level

NebularMax

This lady is retarded. I was in the CG this isn’t new lmao

CompetitiveGood2601

glad your getting what you feel is competent advice, most people aren't, 2 month's ago i went to cash just off my ATH, had to fight with my money guy because their economists just weren't seeing it, after paying the unplanned capital gains taxes i'll have next year i'm significantly ahead being 90% out of the market - the only stuff i held had great at cost div.s and large CG exposure so it just wasn't worth selling they were all in the energy sector and have mostly held up - do either of us know what will absolutely happen in the next 6 months no, but given you can't trust the guy in a very powerful spot to do the right thing - i'm good with 3% on cash and the div's i'll get to wait - even if the market were to rise 10% i'm still ahead - i do think we will see reasonable results from the tech sector this week but the foreward guidances will be shakey, those result's are all pre trade war and no one's dealing with trump in any meaningful way - and that doesn't factor the global buy anything but american movements

keijikage

So I'll take a page from Bessents most recent talk as he's the closest thing to an adult in the room (you'll have to kind of look past the parts where he has to talk the administration's book). The big elephant in the room is that trade with China isn't really 'free' trade in that China has pretty strict capital capital controls so they can keep the Renminbi from appreciating. This permits them to "de value" their currency and support an export led economy since they don't have enough local demand to sustain all the industries being built, which in turn causes deficits (a lot of it the US) where new currency (dollars) are printed in order to buy those exports. This has in turn resulted in a hollowing out of many previously industrialized economies as you simply cannot compete with the cheaper labor. This is not a big deal in a world if you think Wars are a thing of the past, but the Covid pandemic made it very clear how integrated supply chains were and how fragile the foundation of the US's power was (where the value of the dollar is also implicitly backed by US military power). This is a big big problem in the world where you just print money to satisfy global demand, since eventually the world wakes up and realizes they don't need to take your printed money if you have no means to enforce it. This is really a clash of two super powers and everyone else is caught up in it. Now the execution? Total dogshit. [https://www.youtube.com/live/NsyNHd5Ce3c?si=bKDvAOhtUHy6eJzh](https://www.youtube.com/live/NsyNHd5Ce3c?si=bKDvAOhtUHy6eJzh) [https://www.brookings.edu/articles/chinas-currency-policy-explained/](https://www.brookings.edu/articles/chinas-currency-policy-explained/) [https://www.imf.org/external/datamapper/CG\_DEBT\_GDP@GDD/CHN/FRA/DEU/ITA/JPN/GBR/USA](https://www.imf.org/external/datamapper/CG_DEBT_GDP@GDD/CHN/FRA/DEU/ITA/JPN/GBR/USA)

WickedSensitiveCrew

I know just about everything is up today. But really happy with the PE firm sector APO, KKR, OWL, BX, CG etc. Really glad I bought a couple names when the tarrif stuff brought back the FUD of them going bankrupt from either people pulling out money from them or their private credit blowing up on them.

tinzor

Rather pay the CTG than lose the CG.

Had_to_happen

The real problem here is that you get it all the first day and then spend weeks hoping that you might get to keep some of that. Same emotional gamut as shorting a half dead NAS flim-flam for the "expires worthless" endgame plus short term CG tax. Except that it hasn't happened anywhere since COVID, no thanks!. If you can put up with that then selling the same lottery puts a guy like me buys is pretty reliable.

Inner-Detail-553

Look at private equity... balance sheets are murky, possibly margin calls or withdrawals leading to margin calls KKR CG BX, all are down about double what SPY is from the top

Mr_Pricklepants

Had been doing aggressive Roth conversions, but have stopped. So I've been living off the CG from my taxable investments. I can continue that for a while, but eventually will need to yield from either trad or Roth IRA and also resume Roth conversions. My future course will depend largely on what happens with tax policy and inflation, which like everything else right now I expect to be a total wild card.

Mr_Pricklepants

CG doesn't apply to retirement funds. Also, as a retiree, I've been gaming income for the past couple years to be in the 0% bracket for CG from taxable funds, which also helps reduce ACA insurance premiums.

Riseandshine47

Just curious… doesn’t CG tax pretty much make the point of cashing out null unless the drop is >20%?

dizzlebizzle23

I never understood this argument. Like yeah pay 15% CG or lose half your $ possibly

suicidaleggroll

Only if you’re still invested.  I sold everything in late Feb and moved it all to HYSA and CDs.  For my 401k I reallocated everything to bonds and European index funds.  I’ll owe some CG tax next year, but that’s nothing compared to what I would have lost staying in the market for the last 6 weeks.

phate_exe

Oh that was genuine praise. Realizing I probably should have said "if you preferred the design of BMW interiors 10 years ago". I sat in a [current-gen Mazda 3](https://pictures.dealer.com/r/rickcasemazda/0229/aa808ed71830e18cfadfc2fe89b90e62x.jpg) a while back and my first thought was "this looks like an [F30 3-series interior](https://images.squarespace-cdn.com/content/v1/5b15e914365f0269cc85dda3/1574221078974-QVX3BUA2CG6W9UDS2FRM/2015+BMW+335i+xDrive+Sedan+-+Flynn+Automotive-18.jpg?format=1000w)". I don't have much experience with Mazda's i-can't-believe-it's-not-idrive infotainment, but honestly if it's closer to the non-touchscreen NBT/NBTevo systems chances are I'd prefer that as well.

Idontgiveafuckbro

The good part about this is EU learned from the USA, you cant trust people to not vote idiotic, no more Le Pen in France, no CG in Romania, ADF might be banned in Germany If trump is the way EU learns how to protect democracy, i take that win.

greg24211

If you want exposure to private equity you can get it via public markets by investing in the firms. You can buy BX, APO, BN, Ares, CG, OWL, or KKR. If private equity does well - so will those securities. You also get the benefit of liquidity.

43987394175

My implementation cost is fairly low, I just do this inside tax-free and retirement accounts, so CG isn't a factor. But understandable if your allocations are spread between a lot of accounts that would increase complexity.

paragonx29

If you're looking for something quasi-international, look at FWWFX. Paid out a huge CG/share this year and it also has a decent divi.

B1GCloud

Hello, here is a video on how to use fidelity for beginners. https://youtu.be/tuEe6hm5bao?si=CG24qSgMI5nc7TVz

racks_long

CG, put the fries in the bag 

CompetitiveGood2601

i'm with you, 62, house paid for, some pension income - about 1.5 m was invested, sold 85% of it 2 weeks ago when he went total global fruitcake! What i didn't sell, just had to much CG's and at cost gives great income!

deyemeracing

Allocation should always depend on non-emotional things. If you only have 1-3 products in your portfolio, you should probably expand it. If you have 10 or more, when you put in more cash, figuring out where the new money goes is pretty easy. Whatever is giving you more back, you put more in. If you're over-allocated in something, you swap out a lot at a time into cash and then into one of the products that needs more money. In a column of a spreadsheet, you have \[Annual Div Share-Dollar\]. That's your actual APY based on your price paid per share and the dividend paid. The next column should be \[Composite Share-Dollar\]. Composite Share-Dollar = \[Annual Div Share-Dollar+(\[Total Gain $\]/\[Investment Curr. Value\]/\[CG or Div Focus\]) Your CG or Div Focus is a number between 1 and 10. It's something of a "risk aversion" number, so if you're young, it's 10, and if you're old, it's 1. Right now, VOO for me has a Annual Div Share $ value of 0.018, but its Composite Share $ value is 0.070, because my holdings are up about 33%. See how that works? Capital gains give value to the product, dividends give value to the product, and combining them together allows you to sort all items in your portfolio to see what is being more or less valuable at any time, in a way that's strictly math, no emotion. You can total up the current value of everything, and then split it into percentages and/or raw numbers based on that composite value to give you an investment goal for each item. More ROI = more % of the total. If the dollar amount projected is MORE than what you actually have invested, that product deserves more money. If the dollar amount projected is less than what you have in there, it might be time to sell some.

Evan_802Vines

Just trying to make sure I have enough for last year's CG

fivefans

They need to spread out the legs. They are too close together. Would take almost a perfect landing and not much slope. The CG is probably high. Next time, spread those legs baby!

west-coast-engineer

I have more than one Mag-7 stock with >$100K position. Not my biggest single stock holding though by a long shot. Yes, I am holding. I buy low and hold. This particular stock bought on multiple lots is up almost 400%. If I sell, I will pay 20% CG tax (all long-term holding). No point in doing that. Even if it drop 20%, 30%, 40%, I will hold and maybe buy more.

maskedcow

That is wrong. You can see for yourself here: https://www.imf.org/external/datamapper/CG_DEBT_GDP@GDD/USA

maskedcow

No, this is your typical midwit "way too political" analysis. Debt increases were primarily caused by financial crisis bailouts (Bush and Obama) and covid relief funeds (Trump and Biden). These increases ended up being permanent and not transitory, which has led to massive economic problems. https://www.imf.org/external/datamapper/CG_DEBT_GDP@GDD/USA

Gooseman1019

Jensen last presentation was him just speculating ai capability with CG robots. Bro released the 4000 series again and is holding back stock to mirage demand to the tards. Bulls doomed 

ProfessorSerious7840

in this case, OP needs it in less than a month. short vs long term CG likely not relevant

here_now_be

unfortunately we've got certainty. Certainty that we now have a government that picks winners. The market and shared gains is dying. I'm just sitting here wondering how much of a CG hit I'm willing to take.. and also where tf I'm going put my $ now.

Wan_Haole_Faka

Makes sense. Looks like they're able to roll the CG into annual distributions, which seems like it's taxed as regular income, if I'm not mistaken.

Wan_Haole_Faka

Adaptiv is the firm I guess and they seem to only offer the one product. What I gleaned from the prospectus is that they pay an annual CG distribution that would be subject to taxation. "The following discussion is a summary of some important U.S. federal income tax considerations generally applicable to investments in the Fund. Your investment in the Fund may have other tax implications. Please consult your tax advisor about the tax consequences of an investment in Shares, including the possible application of foreign, state, and local tax laws. The Fund intends to elect and qualify each year for treatment as a regulated investment company (“RIC”) under the Code. If it meets certain minimum distribution requirements, a RIC is not subject to tax at the fund level on income and gains from investments that are timely distributed to shareholders. However, the Fund’s failure to qualify as a RIC or to meet minimum distribution requirements would result (if certain relief provisions were not available) in fund-level taxation and, consequently, a reduction in income available for distribution to shareholders. Unless your investment in Shares is made through a tax-exempt entity or tax-advantaged account, such as an IRA plan, you need to be aware of the possible tax consequences when the Fund makes distributions, when you sell your Shares listed on the Exchange; and when you purchase or redeem Creation Units (APs only)."

90403scompany

It saves a little bit since CG taxes are progressive and bounce between 0%, 15%, 20% and 23.8%; not to mention state taxes (for instance, CA taxes capital gains as ordinary income)

Worried_Quarter469

Jpows company beat revenue, missed EPS CG

collotennis

Thanks. So I use chat gpt to summarize things and I use wisesheets for all metrics. A brief highlight of why - Shoo- I thought would start with shoes industry and look at mid cap stocks. Shoo was close to its 52 week low and when I compared it metrics to its peers it was beating them on many metrics. Also I know it’s very popular brand among girls and I knew it from the wolf of wall st 😂 Calm- I came across this stock as a very undervalued stock so I started comparing to its peers. No peer comes close, there metics were amazing and destroyed their peers. Also being the biggest egg producer in US and last time the bird flu happened that was an awesome catalyst for the price. So bird flu came again. Gamb- so I thought I would look at gambling industry and came across them. This was my fav so far, ticked an insane amount of my conviction checklist. The list goes on and on- - owner holds a very high ownership - awesome growth - on the 10k they listed two competitors only so you know there is limited competition - tech competitive advantage - beating peers on metrics Tgna- so I thought I would look at tv, media industry. So I found tgna and they own stacks of tv stations across US. They make a lot of money espically on political advertising and when the last Olympics was on and presidents campaign they did awesome results. So I thought hang on, coming into 2024, a trifecta - 1. Super Bowl advertising 2. Olympics 3. Politics advertising for president And yep I was right, great resultsZ NXT- this was a no brainer. I saw the solar industry was down so I came across nextracker. They were the market leader of solar trackers and again on the 10k they mentioned there main competition and it wants much. - limited competition - way better metrics then peers - tech competitive advantage This was my recent stock analysis I did on them on a fun sketch - https://drive.google.com/file/d/1FiLzKYHPVspRFJzHySa2BlaY1nIWs3CG

collotennis

So I use chat gpt to summarize things and I use wisesheets for all metrics. A brief highlight of why and Shoo- I thought would start with shoes industry and look at mid cap stocks. Shoo was close to its 52 week low and when I compared it metrics to its peers it was beating them on many metrics. Also I know it’s very popular brand among girls and I knew it from the wolf of wall st 😂 Calm- I came across this stock as a very undervalued stock so I started comparing to its peers. No peer comes close, there metics were amazing and destroyed their peers. Also being the biggest egg producer in US and last time the bird flu happened that was an awesome catalyst for the price. So bird flu came again. Gamb- so I thought I would look at gambling industry and came across them. This was my fav so far, ticked an insane amount of my conviction checklist. The list goes on and on- - owner holds a very high ownership - awesome growth - on the 10k they listed two competitors only so you know there is limited competition - tech competitive advantage - beating peers on metrics Tgna- so I thought I would look at tv, media industry. So I found tgna and they own stacks of tv stations across US. They make a lot of money espically on political advertising and when the last Olympics was on and presidents campaign they did awesome results. So I thought hang on, coming into 2024, a trifecta - 1. Super Bowl advertising 2. Olympics 3. Politics advertising for president And yep I was right, great resultsZ NXT- this was a no brainer. I saw the solar industry was down so I came across nextracker. They were the market leader of solar trackers and again on the 10k they mentioned there main competition and it wants much. - limited competition - way better metrics then peers - tech competitive advantage This was my recent stock analysis I did on them on a fun sketch - https://drive.google.com/file/d/1FiLzKYHPVspRFJzHySa2BlaY1nIWs3CG

gamusils

CG call near ATH i can shoot up

MattieShoes

Lots to consider, and depends on a bunch of things not specified. How liquid are you? Because having it in a taxable account increases liquidity. That might be desirable if you're relatively illiquid. How much do you make? Are you maxing out tax advantaged accounts? Because you might have options like dumping it into Trad or Roth accounts and avoiding CG, or reducing the income you show. How long is left on the mortgage? How fast would you be able to pay it off? Because the market is more predictable over longer timespans than shorter timespans -- that will affect the likelihood of one plan outperforming the other. How old are you? Or more relevant, how far from retirement are you? Because investing would be higher risk, higher reward option. If you're in your 20s, higher risk might be fine. If you're in your 50s, maybe taking on more risk isn't something you want. Generally, your entire financial situation matters. How much money you have, how aggressively it's being used, etc. Because this particular decision is just moving the needle for your overall situation -- maybe a little bit if you're high NW, maybe a lot if you're low NW. There also exists options in between -- for instance, dumping money into a taxable account, earmarked for paying off the mortgage. Then you get the benefit of liquidity now and you don't sacrifice the liquidity until you can pay it off in a lump sum. Because the lack of a mortgage will actually affect your cash flow from month to month, but paying off half the mortgage doe snot.

moor_blue

Because in it's essence stock trading is speculative in nature. And the law of large numbers very well apply. You should always choose a stock based on proper study and analysis. And still you don't know how the stock will behave. Let me try and explain with an example. Say you have 1 lakh rs. and you bought a lakhs worth share of Titagarh with hopes of it going further up from ATH after initial pull back. Now down the line a year later you are sitting with -40% because you believe it eventually will come back up and never keep a stop loss. So that lakh is now down to 60k. Your money is locked up for you don't know how long. The company has been posting decent results throughout. You had a stop loss of 5%, your stock was sold for 95k with 5k loss realised. You used that remaining amount to buy maybe Trent or Bluestar and raked in money. Had a good run and turned those 95k into say 1.40 lakhs cash. Your money is free to be used as you see fit today. I am trying to explain the time cost associated with money here. You might choose not to book your losses. It's possible the stock gives you astounding results "someday" or maybe you sell it for no profit no loss just to get out of it. Some rich folks book losses for tax harvesting purposes as well. If you have some stock you have given up on, you can book losses in March reducing your total taxable CG. It's also possible that I keep holding my losses and down the road the results also start degrading, I'd be booking losses then too. With an even higher time cost.

Downtown-Football842

Anyone in the UK trading options and figured out the best Shoreditch to CG tax? Any good accountants to recommend? I've been growing a small account and with additional funds will need to start thinking about this more seriously ..... Thanks

norcalnatv

Feel your pain, LT holder of NVDA here. What I've done is hire AQR Capital Mgmt. [https://www.aqr.com/](https://www.aqr.com/) They have a fund that generates losses to the tune of around 15% of the principle annually. LTCL is 1:1 offset by LTCG in the year the loss occurs. So you want to cash out $1M CG next year, drop $6M into the fund and you can sell it with zero tax consequence.

MattieShoes

Trad IRA beyond the income limit is generally not optimal, but it's not worth the trouble. Post-tax 401k contributions too. Both are fine if it's part of a backdoor Roth scheme though. Over-active trading in taxable accounts gets you CG hits. That usually offsets and advantage over passive trading unless you're very good. Dividend seeking in taxable accounts gets a CG hit too In theory, faster investing (say weekly instead of monthly) is better, but not worth the time.

fropleyqk

Remember that CG is only on what you *gain*. Taking a small tax hit to move an under performing asset to a better one is easily calculated based off of estimated growth. Meaning how long will it take to recoup the tax cost before you're back in the black again. Also, here's a cool link I found on another sub that can help you calculate taxes including CGs. It does fail to take NII tax into account if you're a big bread winner though. [https://engaging-data.com/tax-brackets/?fs=1&reg=0&cg=100000](https://engaging-data.com/tax-brackets/?fs=1&reg=0&cg=100000)

Evan_802Vines

Anything you take out will be assessed capital gains, so really take out the 20k+CG.

kosherito

CG oncology phase 3 result data was promising, why did the stock plummet?

HETXOPOWO

Coast Guard has some pretty high bonuses 40k plus. Being 16k in debt outstanding will require you to do some extra work with the recruiter but once you are at boot camp the SCRA kicks in and your debt interest rate legally can't be higher than 6% which will help mitigate the bleeding on interest payments. Work life balance sucks but it's a solid plan to get out of debt. Since you were an IT civilian they might let you go straight to it in CG if you have the appropriate certification.

RevolutionaryPhoto24

Oops, meant selling some that I hold for profit to lock in gains (and hope the rest stay up and liquid for longterm CG tax treatment later.) Just hope I don’t blow the profits with regard moves. And, yeah. First CC I wrote was a LEAPS and I’ve been trying to get out of it since :(.

MannieOKelly

Glad to see this thread . . . I started edging slowly (because of the tax hit of selling long-held funds) out of Vanguard Funds into ETF's (Vanguard and also SPYG, held in Vanguard, however.) So I definitely am interested in learning the details about tax-free conversions. I'm also just waking up to the fact (?) that ETF's don't seem to do year-end capital-gains distributions. Just last night I tried to estimate how much I'm likely to get in CG distributions at the end of this year, for tax-planning purposes. I was surprised that my Van Funds are in the Van listing of estimated year-end distributions, but not the Van ETFs I hold. I think I recently read that Funds are required to distribute all realized CGs for the year. Is there a regulatory difference? And where do the realized CGs of an ETF go if they're not distributed? My motivation for moving away from Funds is just that I like to specify a price when I buy or sell, and not just take the end-of-the-day price. So not a huge deal, but also as most probably know, Vanguard has a really bad Website, and they're terribly slow to execute many things that require a signature for some VP in the organization. So I want to make sure whatever Fund or ETF I have in Vanguard is a security that can be held elsewhere, if I really get tired of dealing with Vanguard. I do like the low Vanguard management fees for index-based products, though others have replicated that at this point. Looking for more education, please . . .

Thunder_Wasp

If US companies post a decoy job offer, [like this example](https://imgur.com/CG6mxNE), they can then go to the US Gov't and claim no qualified Americans applied so they need to bring in more H1B workers to work for slave wages.

StudioPerks

The Tesla pump was to let us bag holders exit with more CG then we ever fucking thought possible. The bubble is about to burst