CG

SuccotashComplete

These seem intriguing. I only did about 15 minutes of research but it looks like the preliminary results say CG0070 is less effective, but has fewer side effects, and TARIS is slightly more effective and also may have fewer side effects. Definitely something to keep my eye on. I guess now I’ll have to pay attention to immunity’s other pipelines as well

blewmangroup

CG0070 and TARIS are two products I would look at when deciding on how long you hold

MannieOKelly

So if my math works, at 66% "inclusion", the net tax on the over-$250K CG is about 20%, which is a bit lower than the LTCG rate in the US (for most people who pay LTCG taxes.) Is that right?

steiner_math

You'll want to transfer them in-kind then sell from Fidelity. Otherwise CG may charge you a fee. Those funds have a pretty high front-load fee. You definitely dont want to put more money into them. They also have relatively high regular fees, so yeah, I'd get out of them too

peter17319

American Funds By Capital Group - I'm thinking about moving away from them completely. I didn't know how to initially setup a Roth IRA or a trade account, so my bank set me up with Capital Group, who in turn set up both of those accounts for me. Now that I'm rockin'-n-rollin' with a Fidelity account, I figured it might be best to move everything away from CG. Both CG accounts are setup with CG mutual funds (GWPAX and AAFTX), so I'm assuming those funds can't be transferred over to Fidelity, and instead I would need to sell them off and then re-invest that money? Even though that would be a taxable event, I assume it would be worth it long-term to not have to pay those fees anymore? Hopefully that's not a totally dumb question. I'm not as clueless as I was when I started, but I'm still a newbie.....

constantreadr

Buying it to hold and high interest rates on short loans are no good, but if you need some losses what about buying and then file an option put? You'd lose some profit on commissions and short-term capital gains but if stock is terminal buying at $32 and filing an OP for $12 your declared loss would make back commission and offset CG, assuming anyone wants to buy at $12...unless you think his sponsors are going to come back in to pump the price, in which case an option put give you some insurance on the margin call.

parziv4l_

Did u guys know the US accidentally shot down an Iranian airplane? nuts On 3 July 1988, 290 people were killed when an Iran Air Airbus A300 was shot down over the strait by the United States Navy guided missile cruiser USS Vincennes (CG-49) when it was wrongly identified as a jet fighter.

MattieShoes

Theoretically if he received distributions (CG or dividends), he'd owe taxes on those. But he'd owe that regardless of sale, so it's not really relevant.

No-Personality-2853

If you’re holding some of the stock (as opposed to selling all of it) you typically want to sell the tranches with the highest cost bases. Either generate a loss or minimize your amount subject to CG. If you’re in a zero CG bracket, do the opposite to the extent you have room.

wayfarer8888

I shorted SCCO in November based on a pessimisticvview on copper prices at that time. Got out on time,. now it's exploded, like +30%. I am not sure there's much momentum left. Back to Gold, I'd go with smaller still undervalued companies like BTO or CG, if you can buy Canadian stocks.

Teembeau

>And apples hardware sales are continually tanking. Fucking no one needs a new MacBook Pro that’s barely 10 percent better performing than a previous model from years ago. I really like the M1 engineering, but almost no-one needs that power. Some simulation and CG stuff. Even with that, people just get a lot of it done on the cloud now.

Grasstoucher145

Went into to a CG store recently. I felt a decline in the quality of their jackets. And their prices are now higher too, even with synthetic rather than real animal fur.

Peppersteak122

Silly, they need to sell Canadian Goose to Asian. To us, it is not a winter apparel. It is a symbol of social status. See? [Chinese illegal immigrants caught wearing CG jacket crossing the boarder](https://www.dailymail.co.uk/news/article-13230761/amp/Asian-migrant-border-California-Jacumba-Canada-Goose.html)

GoHuskies1984

I think CG is suffering the same fate as Gucci, lower earners are all rocking such obvious knockoffs that the brand image has suffered as a result.

normanbrandoff1

Step 1) Make prices extremely expensive Step 2) Rational consumers look elsewhere while others buy cheap knock-offs Step 3) Knock-offs flood market and CG lose any sense of exclusivity 3 key steps to failure

Time_Trade_8774

Patagonia is way better and know how to treat their customers. Buy for life. I even prefer North Face than CG as at least it’s cheaper.

Wendy888Nyc

I got my CG jacket a few years ago for $600. (Not exactly cheap) I love it and went to buy a new one in a different color this year. I passed because I don't NEED another one and at $1,300 +, I can do without. (more than double for an already pricey jacket)

MFERMION

Much depends on your age, your other investments, and your investment plans. The S&P500 index fund is a keeper and should be part of your foundation equity investments. If you are young and plan to build a portfolio (in total market index funds), you can just keep ELY and it will become a smaller and smaller part of your investments. It is probably a decent long term investment. There's no need to sell now and pay CG, in my opinion.

patrickswayzemullet

I will tell you this story for the billionth time. I was 5 when they re-released the OG in 97 for 20th anniversary... My aunt went home early and picked me up. It was magical. The world building felt natural and real. All the dirt, the frustration, the heat... you can feel it. Lucas also had to improvise and innovate for his text crawl and dogfights. The story itself is simple. Once CG dominated the whole industry, it's done. Everything felt clean and too sterile... in many ways of course planets look cooler now, but they just don't feel "real". There is that uncanny valley feel to them... also, because it's a classic story of good v evil; there is only so much you can rehash out of that theme... It just does not feel magical to me anymore. I never finished past the first 30 mins of Ep 9... The fanbase is also very diverse in what they want to see; so it's impossible to please even a plurality of them... I myself don't hate the message in TLJ that anyone could be a hero, even a nobody like Rey and that broomstick kid. Of course they retconned it because other people did not like it.

WickedSensitiveCrew

Anyone else buy the PE firms such as KKR, APO, BX, CG and BAM in late 2022 or 2023 while the discussion around the stocks was about redemption rates and people were running for the hills trying to get their money out? Bought KKR glad I did. APO got a rare thread today on this sub as it bid on PARA.

ExploringWidely

To be clear, you don't get to write off the $5k from your *taxes owed*, it's used to reduce the capital gains (CG) from other sources. So if you are in a 20% max CG tax bracket (for ease of calculation), the CG portion of your tax bill would go down by $1k.

Yogurt_Up_My_Nose

yeah but the CG was so good it's ok.

Aromatic_Extension93

vanguard's proprietary methodology with how it realizes gains on its mutual funds did legitimately save people a few basis points on CG tax for realized gains when the fund sold

MattieShoes

Exactly! You can also exit a winning and losing position in individual stocks to avoid CG too, but usually you aren't in a hurry to sell stocks that are doing well, so just upping the cost basis on an index fund is an easy way to take advantage without messing with your other stock positions.

moazzam0

Canada Goose notes: Insane growth 2000-2017 Insane brand replica and copy cat problems Company plans to go dtc to combat replicas and copy cats Sold coats that were too warm and too durable for average metro sexual hipster No one left to buy more coats at the same pace Competition from both sides Arc'teryx set them back from low end, Moncler from high end Both competitors make less durable, less warm coats and also sell warm weather stuff year round Arc'teryx focus on function vs Moncler on vanity, CG is too high end to go after Arc'teryx DTC goes out of style on Wall Street due to higher costs and brand isolation problems DTC doesn't work certain products (like mattresses) but it does for Moncler and Apple (jewelry/tech showroom model). So that's the DTC vision CG is adopted Clearly CG needed to monetize their brand cache year round by selling spring summer and fall stuff year round, free money. Finally started doing that last year, slow and strategic like Apple. They're going after Moncler while maintaining utility line of heavy down parkas they sell to Arctic and Antarctic businesses/projects/expeditions. They haven't taken on any new long term debt since way before COVID. So you get stability and growth.

MattieShoes

One at a time, same with most things in life. Find the one you want to exit the most. Sell, set aside money for CG, invest in an index fund. Repeat until you hit the point where you're fine with leaving it in a stock -- some combo of CG hit being too large and belief that the stock will probably outperform.

EricoS1970

Some people don’t read the news I suppose. The Chinese Government forbid people who are working for the government using Apple phones. So these people had to either sell iPhones and buy Chinese brands or buy additional phones so they can use iPhones privately. Some realized that the Chinese brand phones offer better value and in some cases are nicer. Since having Apple products were considered a status symbol it had tremendous impact on Apple sales in China. Now they are not status symbol but looked upon as a bad thing to have because of the communist government. Same thing happened to Canada Goose . Their expensive winter jackets were the thing to have , but because of an arrest by Canadian authorities of huawei exec , the government and their people turned sour on CG. The hope for Apple is India . That is why they shift production there. If adoption happens in India like it did in China only time will tell . Btw innovation at Apple died with Steve Jobs. If you can’t see this you are blind.

rackoblack

First that said this, post needs to be higher. While it wasn't tax optimal doing what's been done, liquidating it all now and eating all that CG tax is even worse. Do not do that. If any positions happen to be at a loss, sell those and enough of something else to offset that loss. Or just leave it all as is - you're paying a little more tax now, and growing your money a little less. But if your 401k is more than this taxable account (you don't say if that's the case), you're probably fine. From here on out try to minimize tax implications - as others have said, stop buying more of the divvies and instead buy VTI or whatever index fund. Having a taxable brokerage can come in handy when you do need that large down payment or other large expense. When there's a good reason to sell and pay the CG tax.

MattieShoes

> high dividend paying ETFs and securities Probably poor choice, because tax drag. > I also have DRIP enabled Removing the only real advantage of dividends haha :-) Dividends are fine particularly if you spend them, but dividend + DRIP is just a less tax efficient cousin of share price appreciation. > The advisor at empower said that at my age I need to be focused on growth only, and that high dividend-paying securities aren't very tax efficient at my age. Oh haha :-D Yes. Though "growth" is a loaded word here. You care about total return and would prefer share price appreciation to dividends. That doesn't mean only those deemed "growth" companies. > Of that 70%, I have roughly 8% SPY, 5% VOO, 4% VUG, 7% QQQM, 16% JEPI, 11.5% JEPQ, 10% SPYI, as well as a few other randoms here and there. JFC. Why so complicated? > I know SPY and VOO are very similar I think that's understating it. They both follow the same index, so barring weird timing issues, they are identical... except SPY has higher expense ratio. > the advisor at Empower told me I should basically sell everything May depend on what sort of CG taxes you're going to be hit with. Like if you've been holding for 15 years and are going to get hit with a huge CG bill for selling, it might make more sense to let it ride just to defer the CG bill. If this is stuff you bought recently and can sell without tax consequences, then yeah, you may want to simplify.

Teembeau

This is all valueless speculation. AI isn't going to produce fun movies. It's a bit of demoware. And even if WBD can produce movies with it, why can't other people? The problem for large media companies is that the barrier to entry in terms of production, distribution and information has fallen. 1. Names and brands are worth no more than a weekend. You make a movie, even if you have big franchise name, if it's dogshit or even meh, everyone will avoid tell their friends and it'll be about dead in a weekend. The ownership of brands, pouring money into marketing is no longer a guarantee of success. And we've seen quite a lot of films become hits from small studios on word of mohth. Also, the effect of this is that people don't go to see OK movies. It's got to be good for them to go, and they can get that better from WOM. 2. Lots of TV can be done by people with an iPhone. Why has TV comedy pretty much died? Because there's some guy who thought of a better skit about something than SNL and it goes viral on YouTube. This is like the thing of Gangnam Style, but for TV. Where Gangnam Style didn't get any radio play but went viral. 3. Movies are struggling to top the level of spectacle. Nothing Marvel has made since Avengers Endgame has been an advance on it. Thanos, Professor Hulk, the ageing of Captain America were "wow". Look at Mission Impossible, too. Fallout was like "wow" too. but clearly, they struggled to top it with Dead Reckoning. And if you're not going to have bigger spectacle, a lot of people are going to wait for streaming. 4. CG is getting really cheap to do pretty well, to the point it's no longer the huge barrier it used to be. Godzilla Minus One cost $13m. Still a decent amount of money, but it puts making a CG movie within the realm of a lot of smaller companies. There's probably some interesting small cinema companies to invest in, but these behemoths no longer have the moats they once did.

BPDMisery

Guys I’m only 55kc into CG and I’m already over it what do I do

BPDMisery

I’m only 50kc into CG and i already want out 

MattieShoes

You can afford to open a brokerage account at any time -- it's generally free. Assuming your goal is retirement saving, you'd probably rather aim to max out 401k ($23k) and IRA ($7k) first to avoid CG taxes entirely. If your goal is something before retirement, you'd generally prefer lower dividends in a taxable account to reduce tax drag. But it'll mostly depend on your goals for the money. If it's for a car you're aiming to buy next year or something like that, probably best to skip the market entirely and shove it into a HYSA or money fund.

SavannahCalhounSq

It's not that easy. You have to really think through the 'Max IRA/401K' rule of thumb. Having you stocks in an after tax account is great. I you never sell the SPY, for example you will never again pay tax on that position. If it's in an IRA, when RMDs hit you will have to pay Ordinary Income Tax rates on every cent you pull out, even if you held the same stock for 20 years, no LT-CG, not stepped up basis if you croak. They are great for T-Bills right now because you can collect 5% without paying current income tax. Think about it, not one size fits all.

moosewhippets

Coast Guard. No joke. I'm former USCG, had a secret clearance, and did some pretty amazing work. The CG are extremely heavy on ethics, self discipline, and the mental game (for the most part). But considering I was a druggie teen going nowhere with a GED, it literally saved my life and turned it around for the better. I did pretty intense search and rescue at a Surf station for my first year and then was a Marine Science Technician (MST) and Sector Lead BO/HL (fed investigations, LE trainer, anti-terrorism stuff, etc - this was right after 9/11 soooo yah). The majority of my time was spent doing disaster response management, facility inspections, and pollution investigations (MST type work). I was picked up by a contract agency as soon as I left the service. Made six figures on average doing environmental regulatory stuff and maritime security work. Ended up leaving the company after managing a division of the BP spill cleanup cause of work-life imbalance. Nowadays I have my college degree (GI Bill), free medical (VA disability), and I own a couple companies and a small farm that I started up years back and built upon. I give all credit to sucking it up and signing the contract 25 years ago with nothing to lose. I have nothing but (mostly) great things to say about the USCG. Chair Force would be my second recommendation, then Navy.

soma92oc

CGON - CG Oncology \- IPO this year \- Have two cancer treatments in phase 3 trials, with promising data \- First analyst rating at $75 came out yesterday \- Current price $45 (IPO at $18) \- This form of bladder cancer treatment hasn't really changed in 30 years. Prime disruption territory. \- Nobody really know about it yet. When they catch up, it will catch up to proper target at least. \- MKT Cap at 2.5B, but really should be about 10B. I have been slowly building my position. I'm up about 18% so far! I just wish I got more in the 30's. I don't expect to see that again.

BPDMisery

Guys I gotta start CG on my iron but i’m really intimidated, any tips?

fucreddit12369

Good enough for the cia, good enough for me. Don’t forget the Carlyle group, ticker CG.

MattieShoes

I promise I'm not. So in your example, you made $25k... but paid $35-40k in mortgage interest (ie. the cost of your leverage). Now you DO have more equity in the house at that point... but ironically, that decreases your leverage and lowers your rate of return. And it'll get worse and worse every year unless you decide to refi and pull all the money back *out* of the home, but that'll probably run you some thousands of dollars for the refi and rates may have gone up since. Mr. Renter doesn't have $44k. He had ~$65k because he paid far less per month in rent than you pay to own a home, and he was able to bank the difference. Now, it is possible to continually re-leverage yourself by refinancing, buying properties, making ends meet with tenant rents... That's how landlords make money after all. But at that point, it's a job... And highly leveraged landlords should really be keeping a lot more in cash equivalents for hard times or they risk losing a lot... which hurts their returns. [I made you a spreadsheet](https://docs.google.com/spreadsheets/d/1MYP6r6KSEQqIT4H8TAM67BA4WwQbywRW-mLAEZl1u1Q/edit?usp=sharing). Actually I made it years ago when I decided to buy a home. I pulled mortgage numbers from google assuming credit score of over 800. Mr. Renter deposits and invests the difference between rent and mortgage each month. When rent goes higher than the mortgage, he pulls money OUT of the account to cover the difference. At the end of a 30 year mortgage, you'd own a $2.1M home free and clear. Mr. Renter would have $3.3M in the bank. Using more reasonable national estimates (3.5% home appreciation, 750 credit score instead of 800+, average HOA dues, etc.), you end up with a $1.4M home free and clear, and Mr. Renter ends up with $5.1M in the bank. The spreadsheet ain't perfect -- it's ignoring CG for one thing -- but the gist is clear. While there are benefits to owning a home, it's not great financially. I think the best you can say for it is it's a conservative choice and also gets you some QoL, since apartment living sucks balls.

gsp0t417

JAGX is Jaguar Health lol.. Jagex was already sold by CG to another investor called CVC capital.

CashBearFooksMommies

mostly live NLHE CG, occasionally PLO. I've only played online tournaments so far but will play some live during the summer.

Great-Amount9833

Nvidia has been at the right place at the right time. PC gaming/CG. Then crypto mining. Now AI training. Meta is buying $7bn worth of nvidia cards which means Google, Microsoft, openAI etc are buying billions too. Dont be fooled with other gpu brands… nvidia rules this space. And every team touching AI at all these companies are buying them up (I heard of $1.5mm of nvidia cards sitting in boxes at large tech co. waiting to be potentially used). This will continue for years. Nvidia will dominate the AI training, then ARM will dominate AI consumption (eventually ARM may surpass Nvidia on the gpu side too).

BumblebeeHumble7

CG on getting sober, the best investment of all

lynxss1

Testing the new CG100 right now, CH100 soon.

chopchopfruit

You may need to differentiate between long term and short term capital gains. Short term CG are taxes federally as ordinary income. If you bought that less than a year ago OP expect to pay ~100k in taxes

rackoblack

Hold. As you retire, or even just take a long break between jobs, in low income years you can liquidate a little to live off of, staying low enough to have low or no CG taxes.

FabulousExplorer

Yes. My main motivation is tax reduction. For ESPP, you definitely pay both OI and CG taxes after your sell. When it comes to selling, i think tax is the only factor that would decide which one to sell. My approach is not universal (since i talk about gain only cases)

MattieShoes

So the most important part is saving for retirement, not the mechanism you use. Having a 401k to do it in offers tax advantages so you can save more efficiently, but it's not *required* for saving at all. So continue to max out your IRA, open a brokerage account at a real broker (Fidelity, Schwab, or Vanguard probably, but even Robinhood works), earmark it for retirement savings in your head, aim to deposit 2,000/month into that account (that'd roughly mimic maxing out a 401k), invest it in an index fund like VOO or a broad market fund like VTI, and you'll do fine. You won't get the benefit of lower taxes each year that Traditional 401k contributions offer, and any dividends will be taxed as capital gains. On the other hand, the money is accessible any time you retire -- no hoops to jump through if you retire early -- and you'll only owe CG taxes on the gains rather than income taxes. It's less efficient, but it'll work out fine in the end. Or the other benefit -- you can throw any amount you want at that brokerage. I do have a 401k and I max it out along with my IRA, so my supplemental retirement savings is in a brokerage account anyway. You're just forced to use that supplemental method earlier, after $7k instead of $30k.

MattieShoes

It depends on what you're gonna pay on the mortgage (known if fixed-rate mortgage) AND on what markets will return (unknown). If index funds return 8-10% return per year moving forward, then it's probably close to break-even. You'll owe CG on any gains from investments unless it's in a retirement account, so the break-even point is probably ~7.6%. The standard deviation for market returns is very large though, so you could think of it as something like a percentage chance of doing better by investing, and that number is probably disappointingly close to 50%. Though the longer the timeframe, the more likely investments outperform a 6.5% mortgage. Other things to consider: * Investments are generally liquid. That is, you could sell investments and pay your mortgage this month if you had to, but you can't use last month's overpayment to pay your mortgage this month. You generally want some amount of money accessible in case some sort of disaster strikes, like you get into a car accident and miss work, or whatever. * Rates are projected to go down a little bit this year. Probably not enough for you to worry about, but the possibility of refinancing at a lower rate exists. Then again, if you overpaid, you'd probably have the option to pull money out during the refi assuming housing prices didn't crash too. * PMI (primary mortgage insurance) is often applied for people who put less than 20% down. Typically 1%, but can sometimes be more or less. So if you have less than 20% equity, it may be possible to pay extra to get over 20% equity and have your interest rate drop. This is generally a good thing to aim for since it affects the rate on the rest of the debt.

ultigo

\> Context: In Germany, if you hold shares within a limited company, you pay almost zero taxes on capital gains of stocks. Unfortunately, this rule does not apply to dividends or index funds, only to capital gains made on individual stocks. u/ccig00 can you share the source of this? i see the 25% CG tax when i search

crankyp4nts

Dump CG (Carlyle Group) and any other fools betting on that house of cards!

apmesmqc

It is not that I am not selling because of CG taxes, but the fact that I don’t have anything else to invest in. I have some investments in VOO, XLK, etc. but I mostly buy individual stocks. If you look at 20 year history MA has done WAY better than VOO and I could safely say that in next 15 years it will still beat VOO and SPY.

anglefly

>Here's what I would suggest (if I got the facts right). On Monday, sell your stock and buy back your leap call (you can do this as a spread). You would then have the same position as if they just let the call spread expire/or liquidated it. Your tax situation 'should" be the same as your leap trades would be viewed as a wash sale (I not an expert on this though, if others would comment) A wash sale will only disallow a loss, not a gain. The OP would still have the substantial CG.

Turbul

https://www.reddit.com/r/weedstocks/comments/1860efb/ianthus_paying_settlement_good_for_them/?share_id=CG-5uBASy6a5fcVLO-Bbo&utm_content=1&utm_medium=ios_app&utm_name=ioscss&utm_source=share&utm_term=1&rdt=47923

Black_Wake

My favorite part is how this is obviously CG and the creator put that Easter egg of a guy "controlling it" to throw people off that don't know what they're looking at.

Black_Wake

Bro. This is CG. It's super obvious if you know what to look for. Shit physics make no sense all throughout. Bottom of shit clips when coming out of the basket. And the sleeve close to the robot clips weirdly when getting pulled d over the the edge of the table into vision. Folds are unnaturally crisp and make no sense. The robot is rendered and is clearly of a different visual style than the background video. The dangling robot doesn't make sense in terms of its period ( how fast it swings), and the pattern of swing. It suggests the robot is very light, if it was intended to be portrayed as dangling.

Black_Wake

Do people know this is CG? Not sure what the rules is this sub are...

epicxownage

I have never seen the premium CG jackets on sale

winedogsafari

The false narrative is that BLK and Vanguard “own everything” and are monopolistic. They are custodians on behalf of shareholders for all the stocks they hold in mutual funds, CEF’s and ETF’s. BLK more than Vanguard is into private equity (PE) hence their most recent acquisition - but not nearly to the extent of BX, APO, ARES, KKR, CG etc. The PE group is more likely to run into monopoly issues than a custodian - who is only holding shares on behalf of fund holders and whose responsibility it to act in the best interests of fund holders. Sadly, there is a large percentage of the population who “hears” this false narrative and believes it without doing any research on their own behalf. Did you know if you water plants with Gatorade they grow better; because Gatorade has electrolytes! /s

BasilExposition2

Wait one year and a day. Long term CG.

DeeDee_Z

> Does anyone have any experience if they send them closer to 1/24 Much depends on your holdings. * FUNDS -- exchange and mutual -- have a fair bit of end-of-year accounting to do, first in-house and then they "broadcast" to a distribution service. For example, they have to split up their total dividends that they paid out, into long-term CG, short-term CG, and CG Distributions. * The klinker, though, is that sometimes they don't get it right the first time, especially if they're dependent on another external source for some of that data. SO, if Vanguard gets a corrected data file from T Rowe Price, Vanguard has to generate and distribute CORRECTED 1099s. * **This costs them money,** which has to be accounted for in their fund expenses. Therefore, since Vanguard prides themselves on having rock-bottom expenses, they save money when they DELAY sending out the first batch until at least 15-Feb, hoping that any corrections they get arrive in the first two weeks of February. * REITs are even worse; many can't even get their normal end-of-year close done in 30 days. Your brokerage, noticing that you own a REIT, will automatically delay sending your 1099s out until at least 1-March. "Why can't they get their work done on time?", you might ask. Don't forget that NO PART of the data chain wants to spend a nickel more than they absolutely have to -- ESPECIALLY those whose entire reputation is built on low-cost EVERYTHING.

dayofdefeat_

The US debt-to-GDP ratio has decreased between 2020 and 2023: [https://www.imf.org/external/datamapper/CG\_DEBT\_GDP@GDD/DEU/JPN/AUS/USA](https://www.imf.org/external/datamapper/CG_DEBT_GDP@GDD/DEU/JPN/AUS/USA) Absolute figures are fairly useless, when not factoring in the actual ratio.

MattieShoes

Yes :-) Prior to 59.5, generally only contributions are accessible without penalty, and a rollover is kind of a sideways-contribution with the pesky 5 year waiting period. After 59.5, I don't think there are any real restrictions -- you could pull all the money out. Though one would prefer to keep it in the IRA until spending it to avoid future CG tax.

Kindly-Journalist412

If we close below 20-day MA across indices and ~40 RSI, I’m planning to add to my Nasdaq and Coinbase shorts in the next couple of weeks. Otherwise adding to AMD, CG, and LVMUY

nroose

As a percent of GDP, US Debt has been going down during Biden. Went up a lot during the pandemic. And it's not the highest among the g level countries. [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)

MattieShoes

I'm in that boat myself this year... I would avoid incurring capital gains taxes. If you can tax-loss harvest to avoid the CG, you could. Otherwise, probably just wait for a few months, or trickle it in over a few months.

sgent

You can look to S&P 500 futures in which all gains are taxed using the carried interest rule (CG split between LT and ST) assuming this is for purposes of US taxes. These are complex instruments and make sure you understand them before investing. Some ETN's might offer dividend free but I don't know of any off hand.

Peaches109

I hadn't considered national parks. Likely there'd be some tokin' going on, but the bulk of CG busts - wouldn't those probably be much bigger busts? Drug running? But I get your point. I still don't think I'll be impressed by the number of people this will affect.

Lawlington

This operation could be conducted fully remotely. Just park a CG off the coast and run sorties day and night with drones and F-16s

Mimic_tear_ashes

Calls on $CG they are going to see a large subscriber increase if gold prices go up. They are currently looking to sell runescape for a big chunk and a large subscriber increase will make it more likely to happen.

NeighborhoodParty982

Don't they know, putting all the fatties in the back makes the CG shift aft?

Jenos00

It's a person in a suit with CG art

MattieShoes

I assume they mean some intraday swing causing a sale and realizing CG.

rackoblack

And in any year where you have capital gains (from a mutual fund, or from selling something else this time at a gain), that amount can exceed $3K up to the amount of CG that year. This all assumes it's not in an IRA in which case there are no tax implications.

MattieShoes

The things missing from your "I know the typical..." Health Savings Account -- Only available with a High Deductible Healthcare Plan, but it's another tax advantaged place to stick money, and can often be invested. 457 account -- generally only available to government and NPO employees. Flexible Spending Account -- A less-good version of the HSA concept, but still, a way to avoid taxes on qualifying medical expenses. Brokerage account. Yeah, you'll owe CG on any realized gains, but you can avoid realizing gains for a very long time.

TalkingTajik

If you are looking for stocks that invest in publicly listed equities, Markel (MKL), Loews (L), and the Daily Journal (DJCO) all do this. I don't think any are a better buy than Berkshire. Private Equity like Brookfield (BN), TPG (TPG), Carlyle Group (CG), KKR (KKR), and Blackstone (BX) also invest - but not in the same style as Warren Buffet, who is [famously not a fan](https://finance.yahoo.com/news/warren-buffett-private-equity-not-as-good-as-it-looks-161402193.html). You could look at companies like Itochu (ITOCY), Sumitomo (SSUMY) and Mitsui (MITSY). These are the Japanese trading houses that Berkshire bought into and [share similarities with Berkshire.](https://www.cnbc.com/2023/05/05/why-warren-buffett-is-keen-on-japans-versions-of-berkshire-hathaway.html). These only have OTC listings in the US, however, and you'd be introducing currency risk unlike Berkshire. All that said, I'd just stick with Berkshire.

runsongas

yea, its actually a real posting for the coast guard to patrol the great lakes (CG 9th district) space force is also a real thing, just doesn't have steve carrell leading it

joey_cel

See one reason I’m in the green is I have no idea what CG means

TheOneThatNeverPosts

Totally agree with your view except I’ve just been letting it ride. You’re not concerned with short term CG?

DaMan619

BOXX is CG but its probably going to be mostly short term so only useful for if you harvested losses.

ZettyGreen

[BIL](https://www.ssga.com/us/en/intermediary/etfs/funds/spdr-bloomberg-1-3-month-t-bill-etf-bil) distributes dividend, not CG, so no difference. All of it's return is via dividend/yield(cash to your account) which of course the IRS expects taxes on. The closest thing to what you are looking for is probably [BOXX](https://etfsite.alphaarchitect.com/boxx/) but it's a very complicated product that is arguably not a good fit for most people. Anyways, you can learn more about it in the bogleheads forum here: https://www.bogleheads.org/forum/viewtopic.php?t=396613 You still have to pay taxes, but it does let the yield become a capital gain, but not without some added risk.

anusbarber

long story long. we started a simple IRA at work in 07. the advisor put us in A share American funds. he was like these are the greatest funds ever. I was in a total of 4. their flagship funds. in 2017 a few things happened. My FIL helped us start IRA's at VG and gave me a book called the Vanguard Experiement. Also one of my golf partners gave me red book of common sense investing. ALSO the advisors tried to sell us whole life insurance. it was a crazy culmination that sent me on this journey. I reasearched the crap out of everything. and eventually convinced our workplace we were all underperforming and we left and I aided our company in starting a 401k where we had much better investing options. My 2 brothers and my parents all 3 have CG IRA's all from different advisors and at some point in time asked my opinion. all 3 of them have underperformed similar allocated benchmarks with similar risk profiles. but its not that drastic that I've told them to do anything different. just not for me any longer.

onehedgeman

All that money that went into this CG scene could have bought them an actual bulletproof glass for that one bait car.

anusbarber

A little CG history......Capital Group was founded in the 30's and became super popular in the 70's. they are one of the stalwarts of the mutual fund industry due to their incredible investment methodology that really helped them be successful early on. fun fact: in the 70's a few weeks before Vanguard and the SP500 Fund was established one of the lovelaces (who founded CG) had breakfast at the airport with Jack Bogle and told him creating an index fund AND structuring VG the way he structured it would crater the mutual fund industry. in the 80's CG was one of the largest influencers is making the 401k the prefered retirement benefit style of companies in the US and today are the largest active holdings in 401k plans. After 2000 a certain regulation came about called Fair Disclosure which made it so mutual fund companies could not get fundamental information earlier than everyone else. This is one of the things that made Capital group so successful for years and years. ALSO their funds have grown so large because of 401k's that many of the investments they made in small and mid size companies they couldn't make anymore due to other regulations around how much of a company a mutual fund could own. what has all came of that is that they are largely not the products they once were. for the past 15 years not a single American fund has beaten the sp500. the past 20 years only 1 has barely. Growth Fund. All that to say there is no telling what the future holds for American Funds. Most advisors still sell them on the past not even realizing the underperformance of the past few decades. and they do it because its what they know. and they still get collateral that shows 30 years of outperformance! I'd rather index invest than buy American funds.

AdCritical5383

Truth. Five Nights CG was wrong vibe.

HelloPyWorld

I live in Switzerland atm, and I'm not from the US. I think here bond yield(not sure on this) and dividends are taxed as income, but CG is 0%.

YoupanicIdont

Yeah, in your situation it wouldn't move the needle much either way, unless you really did have some opinion on future tax rates and/or your future income. Btw, CG Tax is 15% until you are beyond $492,300 (single) or $553,850 (married, jointly).

Rare_AdAAA

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brick1972

I think he was saying that if he had a year with no CG tax should he sell pay the zero tax and then set the cost basis higher. I think OP is confusing the way DCA changes cost basis with just the cost basis itself.

hello_blacks

Kroger used to be my grocery store until they started with those lame CG ads

MattieShoes

> It will definitely plummet the stock for a little while. Likely... but how little a while? Both he and munger are old, and it feels like we went from "uncertain future" to "matter of time" a decade ago. And their assets don't change when either leaves... Like AAPL accounts for a good chunk of their gains -- you think that's gonna crash? I think they're both kind of mascots at this point -- they're involved, but they aren't the guys number crunching company valuations. I don't think much changes because the change already happened. Hell, it's *possible* that, outside of a dip on the announcements of their deaths, the stock could go *up* simply because a source of uncertainty is removed. Anyway, I'm not sweating their ages. I would also take a CG hit for selling, so I'm in no hurry to.

doerpy

>US Secretary of Defense - I have directed the movement of the USS Gerald R. Ford Carrier Strike Group to the Eastern Mediterranean. This includes the U.S. Navy aircraft carrier USS Gerald R. Ford (CVN-78), the Ticonderoga-class guided missile cruiser USS Normandy (CG 60), as well as the Arleigh-Burke-class guided missile destroyers USS Thomas Hudner (DDG 116), USS Ramage (DDG 61), USS Carney (DDG 64), and USS Roosevelt (DDG 80). We have also taken steps to augment U.S. Air Force F-35, F-15, F-16, and A-10 fighter aircraft squadrons in the region. The U.S. maintains ready forces globally to further reinforce this deterrence posture if required.

Pinball-Gizzard

I'm not recommending this, but the only reason to sell now would be if there was a concern the deal wouldn't actually close and would return to earlier prices. Sounds like it doesn't impact your scenario, but every once in a while I find myself in a spot where I'm not yet at a long-term CG window and the timing of the closing deal would get me over that threshold.

StatisticalMan

Capital gains distribution means the MF/ETF realized gains which are taxable and were passed on to you. You don't get the distribution as cash you just pay taxes on it. Note ETF have substantially less CG distributions than MF. Passive index funds substantially less than actively managed funds. VTI for example hasn't had a capital gain distribution in 14 years.

rackoblack

And up to $3K each year of capital loss can offset regular income. And if you have more than $3K loss in a year not offset by CG, the excess can be carried forward to later years.

dvdmovie1

Keep VOO, QQQ, NKE, DIS. Swap CG for BX or APO. Sell the rest

patrickswayzemullet

it's very 90s-00s though. bad CG, bad romance... but you got to forgive the Nice-Guy-y HS romance. It was a thing at the time and let's face it we were probably all guilty of this at some point in our lives. But when it's about Supes... it's good.

sigmatrophic

Again no one really cares about your position I'm just saying it's not relevant to analysis of a company. Awesome man you seem pretty chill I'm trying to to help you here. If you want to play cannabis cgc is not the right stock... Simply look at other stocks and look at the historical there is not much room for CG to go to it may climb on hype and retail flow.. but you were literally being hunted and petting zoo unless you're spending all day watching this thing like a hawk and you're going to get caught off side. The far far safer choices to put the cash into a good us cannibis stock right now or the msos ETF... Honestly for you the safest one that you'll still get a lot of growth out of is probably GTI.

MattieShoes

If not risk averse, throwing it in an index fund will do better most of the time. But in this specific instance, we'll find out in a few years. If you're risk averse, something like a money fund can beat 5%, but you'd owe CG on the gains, so better bet to just pay down the loan early unless you're worried about liquidity. If you don't have an emergency fund setting your mind at ease, may be worth to use a money fund just so you have some cushion in case of unexpected events. It'd likely cost you something, but it'd be closer to $0 than $1000.

Tasty_Ad_5035

China sending them nowhere fast. Not as popular as it was 5+ years ago. Also doesn’t help that consumer spending is down there and CG is not the most popular parka. Also like to add, very traditional Canadian all white leadership team with a recent black hire in HR…for some (including myself) this shows a lack of innovation, creativity and connecting with people from all walks of life.