CG

errorsniper

I think its time to get back into CG.

TypicalRegister9327

Thank you, that makes sense. The way people are talking about the CG taxes is making me realize I may be misunderstanding that part a bit too. I thought we’re talking about a potential 15-20% difference in tax rate, but that doesn’t seem to be true in most cases.

Swaggerlilyjohnson

It's a psychological thing mostly. The ideal portfolio never pays any taxes. Obviously this is impossible but the closer you can get is ideal. This means the ideal portfolio is Borrowing against securities> Long term Capital gains > Section 1256 Gain (60LT/40ST CG) > Qualified dividends (Most dividends if you are a long term holder)> Short term capital gains> nonqualified dividends Now you might say if qualified dividends are taxed at the long term capital gains rate how could they be worse and how could Nonqualified dividends be worse then Short term capital gains when they pay the same tax rate? It's because you have to pay the tax twice (Or even more) if you are investing "Properly" if you get a dividend and then just spend it on something you are not reinvesting the money and then your long term compounding/gains are reduced. This can be fine or even ideal if you are retired because you need to do this consistently anyway but for most investors this is terrible. Because you then have to reinvest it and whenever you realize the gains later you pay a tax again (You get another dividend or pay capital gains tax on it eventually). This means Dividends are essentially constantly forcing you to pay taxes over and over again. Think about an investment with 10% dividend. You pay taxes (At favorable rates but still taxes) then you reinvest it and next year not only do you pay taxes on the principle but you are repaying taxes twice on 1% of that portfolio only in 2 years. Because 10% of that 10% you returned (1%) was taxed the first year and the next year and this keeps going. You do it again next year and 0.1% of that original first year dividend has now been taxed 3 times in 3 years. You are being penalized by continual taxation over and over. It's like compound interest in reverse. And at the end of all this after you have been taxed 3 times on that money and reinvested it. You then have to be taxed a 4th time to actually sell it for capital gains (Assuming you need it in 4 years). This is not disastrous because you notice the amount that keeps getting compound taxed shrinks but the whole portfolio over long time periods is being taxed multiple times. After 10 years a very tiny fraction of the money (0.00000001%) has been taxed 11 times! but 10 times that money has been taxed 10 times and 10 times that amount has been taxed 9 times etc So this is obviously not ideal and if the dividends are high enough one could even argue that my simplified list of tax optimality is being too generous to dividends. because if the dividend is high enough and you are a long term investor reinvesting the money, even short term capital gains could be better then qualified dividends. However this is unrealistic because if you are a long term investor you only pay long term gains. This does mean though that dividends look even worse. Because you are comparing compounding taxation even at favorable rates to favorable rates that are only applied once. In retirement dividends are not really any worse in theory but even in that case they are because you have no control over the amount of distribution. So unless it matches exactly what you want (Or is lower) then you essentially still have a suboptimal setup even then. Since the market is efficient (In the long run) Dividends are simply being paid from the companies valuation which reduces their share price. This means that the effect I am describing is essentially unmitigated. A gigabrain might point out that if the market is efficient this should mean that the tax drag I am describing should be counteracted by the market adjusting valuations down because of tax disadvantage reducing the risk adjusted returns. If they are galaxy brain they may point out that most retail investors pay lower tax rates (Or even none in an IRA) then large holders and the corporate tax rate is high then it's actually a good thing. Except it's not true. Most large holders and institutional investors are actually Pass through taxation (Mutual funds and etfs and Hedge funds and private equity) Or they are nonprofit and pension funds which tend to be tax exempt. Only exception is C corps but they are given tax exemption as well usually through dividend received deductions. The pass through taxation does tend to be slightly higher (Because it is more wealthy clients) however wealthy clients notoriously can dodge taxes often legally and often illegally. Combined with the large entities that are straight up tax exempt this is a wash at best. This means actually that most large holders are more tax advantaged or pretty comparable to a smol retail holder. Unless they have an IRA or are sub standard deduction (What are you doing with all this money and no income? an anomaly but likely still struggling). So this got kind of long but **TLDR Dividends are bad**

Repulsive-Budget-380

I am retired. My problem is CG tax and medicare premium with a big profit. I am thinking about taking 100K hit now or spread it out. Paying maximum tax this year and higher medicare for next couple of year.

dwntwnleroybrwn

You need to understand:  A. You're going to sell at CG tax rate in exchange for income tax rate B. You can only invest income from your paycheck into either 401ks and HSAs. C. Your company likely has a max contribution limit per paycheck.

PaperHandsTheDip

markets toppom out within 2-4 months. DD: Guys on r/stocks and r/investing are claiming we started a new bull run and we're going to continue going up into 2027. Gotta inverse those mofos. GL2ALL. Perhaps CG is in the cards in the next few weeks / months again :(

Braxtonius

They can CG in the brown. No big deal.

seadogmd

thanks CG, I was having a rare coherent day and bought them....

terroristteddy

The people who would pay the most capitol gains tax did riot... by taking over the US Government, almost all of our news and social media, creating/exploiting loopholes to never pay any taxes ever again. The only people that give a single shit about CG tax are dumbass retail plebians such as ourselves.

betarhoalphadelta

Yeah, I looked into all three... 1. For that you're looking at direct indexing / tax loss harvesting. I still may do this. But when you're dealing with large ESPP/RSU positions (like myself and OP) you still have to sell a bunch of your holdings to invest enough into a direct indexing fund to get enough tax losses to make a difference, and you'll be paying the CG tax from selling the holdings up front to invest... That said, tax loss harvesting could help OP with his future gains between now and retirement. 2. Useful, but if OP (like me) is in a potentially cyclical industry, the downside hedge of a CC doesn't quite cover the potential downside if the cycle flips. That said, I'm doing this as an exit strategy on my non-employer stock holding, hoping to get assigned (even if not on my first call) at a strike where the premium+gains help me stomach what I have to pay in taxes. Company policy doesn't allow me to trade options on our own stock though, as it creates possible conflicts of interest. OP would need to confirm that for himself as well. 3. Possible solution, solves the diversification problem and kicks the can on capital gains down the road 7 years--just the right amount of time for OP. But you need $5M net worth to be allowed into any reputable exchange fund. OP may qualify for that; I did not. Plus OP needs to make sure putting your company stock into an exchange fund doesn't violate company policy. I think it might violate mine, but it was a moot point so I didn't confirm. But you're right, these are three possible ways to work through the position. All three are what my own financial advisor brought up.

RefrigeratedSocks

You can do either. If you have the limit and don’t plan on withdrawing the money do it in rrsp. Just know you won’t be able to use any losses and it might not be ideal to gamble your retirement. If you have maxed rrsp and also have investments in non registered, do it in non registered (all investment income in an rrsp is full rate income when withdrawn, you don’t get the 50% cap gain savings. So it’s better to keep your dividend stocks there and your CG stocks outside) If you don’t own a house, go open a FHSA and max that. Never touch RRSP before FHSA and TFSA is maxed.

ThermalChaser

I'm sure it'll be a straight line to ATH and Israel won't fuck it up at all. CG

092Casey

Just realized he moved it from 8pm tonight to Tues at 8pm not to disrupt the NCAA CG. It's going down. Markets are screwed.

jetbridgejesus

not driving an ev. CG is too high lmao

Gom_KBull

I really dont like the CG abuse in Kengan Ashura, but that announcer girl's voice ... # 👨‍🍳💋🫴

PaperHandsTheDip

Cash gang boring bro. Been there since mid feb, still proudly CG. Like 90%. When buying back going into boring ETFs until we get those fun bull markets again. Probably buy some TQQQ and chill on it.

JOPAPatch

The original concept of the LCS was great. We could build a lot of them to fight through the Strait to allow a CVN and DDGs break through. We’d lose a lot of them in the process but that’s war. Congress and the Navy agreed to that plan but then changed their mind and said it had to be survivable, had to replace the FFG for ASW, had to replace the MCM for counter-mining, and had to have a surface and air component to match a DDG and aging CG. Well, that sucked.

JOPAPatch

Yes they can. They won’t kill every last Marine like how drones haven’t killed every last defender in battles in Ukraine. It’ll be a living hell, but Iran is unlikely to kill every last Marine that makes it to the island. Once again, seizing and controlling the island is easier when compared to the transit from the Gulf of Oman to the Persian/Arabian Gulf. The Strait of Hormuz and the transit through the Gulf is likely going to be the true test. I do not believe a LHA, CG, and DDG alone can do it. I do not believe adding the DDGs from the Ford and Lincoln will help either since their VLS cells are likely half depleted.

JOPAPatch

2500 Marines can take the island. There isn’t a large Iranian force there. The bigger issue is getting to Kharg Island. It’s in the northern Gulf. The three ships in the 31st MEU are the amphibious assault ship (LHA) (where the battalion of combat Marines and battalion of combat logistics Marines, their air component of F-35B and MV-22 Ospreys, and landing equipment are located), a cruiser (CG) (anti-air platform with 112 vertical launch system cells (VLS)), and a Flight IIA destroyer (DDG) (96 VLS). Fighting through the Strait of Hormuz is considered one of the worst missions the Navy can do. It’s been war gamed extensively and was determined we would lose too many DDGs in the fight. The littoral combat ship (LCS) was initially designed to do this mission because it would be cheap enough to lose. Ultimately the program had high cost overruns because it was unacceptable to lose the ship and its survivability made it too expensive to be lost and was thus canceled. So could they take the island? Yes. But can they get there in one piece? The Strait is a bottleneck. Iran has practiced this fight over and over for decades. They will use swarm tactics with fast attack craft/fast inshore attack craft (FAC/FIAC) armed with cheap surface-to-surface missiles, suicide drone boats, aerial drones like Shaheds, and land based surface-to-surface missiles like the highly proliferated C802. Once past the Strait, the Navy will still need to traverse the southern and central Gulf, all within shore-to-ship range. Then the island itself is 15 nautical miles off the mainland coast, within Iranian artillery and missile range. Once on the island, they will be subject to extreme bombardment that would make Snake Island look like a Jet2 holiday. It’s the military plan of a mad man.

Warm_Pianist4879

its a private equity thing probably, gotta look into what publicly traded private equities (like KKR/CG) might have a stake

fullchub

These are all his relatives reportedly killed in the initial airstrike that killed his father: * [**Mansoureh Khojasteh Bagherzadeh**](https://www.google.com/search?q=Mansoureh+Khojasteh+Bagherzadeh&client=safari&hs=3CqU&sca_esv=b0109be66d9778c1&sxsrf=ANbL-n6jpsBemIGwvDRA8xp76B6L4ZnzEg%3A1773324044237&ei=DMeyadaWDpKlptQP-u_H0Q8&biw=2048&bih=947&ved=2ahUKEwiA6fH1wpqTAxVrv4kEHefmOG4QgK4QegQIAxAB&uact=5&oq=how+many+of+the+khomeini+family+were+killed+in+airstrike&gs_lp=Egxnd3Mtd2l6LXNlcnAiOGhvdyBtYW55IG9mIHRoZSBraG9tZWluaSBmYW1pbHkgd2VyZSBraWxsZWQgaW4gYWlyc3RyaWtlMgUQIRigATIFECEYoAEyBRAhGKABMgUQIRigAUjDUFCFBFicT3ACeAGQAQCYAdcBoAGHG6oBBjguMTkuMrgBA8gBAPgBAZgCG6ACpBfCAgoQABiwAxjWBBhHwgIXEC4YsAMYuAYY2AIYyAMY2gYY3AbYAQHCAggQABiABBiiBMICBRAAGO8FwgIHECMYsAIYJ8ICCBAhGKABGMMEwgIKECEYoAEYwwQYCsICBRAhGKsCwgIFECEYnwWYAwCIBgGQBg66BgQIARgZkgcENS4yMqAHgaoBsgcEMy4yMrgHiBfCBwgyLjYuMTcuMsgHZoAIAA&sclient=gws-wiz-serp&mstk=AUtExfBs8oLucL0uX5IQ6XUNfrXsXMVfLrc3O1HMGsxE3A0R8IlDMy36ruGJl7V1sNW5AysYlEISCujxJprrfFG29UJ0WE8jyhZz8qMPHi__NH1KPPokIx9qkv0ihLVW0jZI_xejHSWF7ITbQ8kCvPnjOajA5e2-fBBOhE6yr6Bu1CzgiBmAjE39_qM5T2-v20lJ9z-ekTYfCvbkvbqOsYK1jQd3nZJMPNKf5CG2uKf1lwc3n2b4z60Ufgwx0qfwmPI4s41hARaeBJOUt6fX_uoFaasjGASRabxLgm_sLeoYFp9qUw&csui=3) **(his mother)** * [**Hoda Khamenei**](https://www.google.com/search?q=Hoda+Khamenei&client=safari&hs=3CqU&sca_esv=b0109be66d9778c1&sxsrf=ANbL-n6jpsBemIGwvDRA8xp76B6L4ZnzEg%3A1773324044237&ei=DMeyadaWDpKlptQP-u_H0Q8&biw=2048&bih=947&ved=2ahUKEwiA6fH1wpqTAxVrv4kEHefmOG4QgK4QegQIAxAD&uact=5&oq=how+many+of+the+khomeini+family+were+killed+in+airstrike&gs_lp=Egxnd3Mtd2l6LXNlcnAiOGhvdyBtYW55IG9mIHRoZSBraG9tZWluaSBmYW1pbHkgd2VyZSBraWxsZWQgaW4gYWlyc3RyaWtlMgUQIRigATIFECEYoAEyBRAhGKABMgUQIRigAUjDUFCFBFicT3ACeAGQAQCYAdcBoAGHG6oBBjguMTkuMrgBA8gBAPgBAZgCG6ACpBfCAgoQABiwAxjWBBhHwgIXEC4YsAMYuAYY2AIYyAMY2gYY3AbYAQHCAggQABiABBiiBMICBRAAGO8FwgIHECMYsAIYJ8ICCBAhGKABGMMEwgIKECEYoAEYwwQYCsICBRAhGKsCwgIFECEYnwWYAwCIBgGQBg66BgQIARgZkgcENS4yMqAHgaoBsgcEMy4yMrgHiBfCBwgyLjYuMTcuMsgHZoAIAA&sclient=gws-wiz-serp&mstk=AUtExfBs8oLucL0uX5IQ6XUNfrXsXMVfLrc3O1HMGsxE3A0R8IlDMy36ruGJl7V1sNW5AysYlEISCujxJprrfFG29UJ0WE8jyhZz8qMPHi__NH1KPPokIx9qkv0ihLVW0jZI_xejHSWF7ITbQ8kCvPnjOajA5e2-fBBOhE6yr6Bu1CzgiBmAjE39_qM5T2-v20lJ9z-ekTYfCvbkvbqOsYK1jQd3nZJMPNKf5CG2uKf1lwc3n2b4z60Ufgwx0qfwmPI4s41hARaeBJOUt6fX_uoFaasjGASRabxLgm_sLeoYFp9qUw&csui=3) **(his sister)** * **Unnamed (his wife and son)** * [**Mesbah Bagheri Kani**](https://www.google.com/search?q=Mesbah+Bagheri+Kani&client=safari&hs=3CqU&sca_esv=b0109be66d9778c1&sxsrf=ANbL-n6jpsBemIGwvDRA8xp76B6L4ZnzEg%3A1773324044237&ei=DMeyadaWDpKlptQP-u_H0Q8&biw=2048&bih=947&ved=2ahUKEwiA6fH1wpqTAxVrv4kEHefmOG4QgK4QegQIAxAH&uact=5&oq=how+many+of+the+khomeini+family+were+killed+in+airstrike&gs_lp=Egxnd3Mtd2l6LXNlcnAiOGhvdyBtYW55IG9mIHRoZSBraG9tZWluaSBmYW1pbHkgd2VyZSBraWxsZWQgaW4gYWlyc3RyaWtlMgUQIRigATIFECEYoAEyBRAhGKABMgUQIRigAUjDUFCFBFicT3ACeAGQAQCYAdcBoAGHG6oBBjguMTkuMrgBA8gBAPgBAZgCG6ACpBfCAgoQABiwAxjWBBhHwgIXEC4YsAMYuAYY2AIYyAMY2gYY3AbYAQHCAggQABiABBiiBMICBRAAGO8FwgIHECMYsAIYJ8ICCBAhGKABGMMEwgIKECEYoAEYwwQYCsICBRAhGKsCwgIFECEYnwWYAwCIBgGQBg66BgQIARgZkgcENS4yMqAHgaoBsgcEMy4yMrgHiBfCBwgyLjYuMTcuMsgHZoAIAA&sclient=gws-wiz-serp&mstk=AUtExfBs8oLucL0uX5IQ6XUNfrXsXMVfLrc3O1HMGsxE3A0R8IlDMy36ruGJl7V1sNW5AysYlEISCujxJprrfFG29UJ0WE8jyhZz8qMPHi__NH1KPPokIx9qkv0ihLVW0jZI_xejHSWF7ITbQ8kCvPnjOajA5e2-fBBOhE6yr6Bu1CzgiBmAjE39_qM5T2-v20lJ9z-ekTYfCvbkvbqOsYK1jQd3nZJMPNKf5CG2uKf1lwc3n2b4z60Ufgwx0qfwmPI4s41hARaeBJOUt6fX_uoFaasjGASRabxLgm_sLeoYFp9qUw&csui=3) **(his brother-in-law)** * [**Zahra Mohammadi Golpayegani**](https://www.google.com/search?q=Zahra+Mohammadi+Golpayegani&client=safari&hs=3CqU&sca_esv=b0109be66d9778c1&sxsrf=ANbL-n6jpsBemIGwvDRA8xp76B6L4ZnzEg%3A1773324044237&ei=DMeyadaWDpKlptQP-u_H0Q8&biw=2048&bih=947&ved=2ahUKEwiA6fH1wpqTAxVrv4kEHefmOG4QgK4QegQIAxAJ&uact=5&oq=how+many+of+the+khomeini+family+were+killed+in+airstrike&gs_lp=Egxnd3Mtd2l6LXNlcnAiOGhvdyBtYW55IG9mIHRoZSBraG9tZWluaSBmYW1pbHkgd2VyZSBraWxsZWQgaW4gYWlyc3RyaWtlMgUQIRigATIFECEYoAEyBRAhGKABMgUQIRigAUjDUFCFBFicT3ACeAGQAQCYAdcBoAGHG6oBBjguMTkuMrgBA8gBAPgBAZgCG6ACpBfCAgoQABiwAxjWBBhHwgIXEC4YsAMYuAYY2AIYyAMY2gYY3AbYAQHCAggQABiABBiiBMICBRAAGO8FwgIHECMYsAIYJ8ICCBAhGKABGMMEwgIKECEYoAEYwwQYCsICBRAhGKsCwgIFECEYnwWYAwCIBgGQBg66BgQIARgZkgcENS4yMqAHgaoBsgcEMy4yMrgHiBfCBwgyLjYuMTcuMsgHZoAIAA&sclient=gws-wiz-serp&mstk=AUtExfBs8oLucL0uX5IQ6XUNfrXsXMVfLrc3O1HMGsxE3A0R8IlDMy36ruGJl7V1sNW5AysYlEISCujxJprrfFG29UJ0WE8jyhZz8qMPHi__NH1KPPokIx9qkv0ihLVW0jZI_xejHSWF7ITbQ8kCvPnjOajA5e2-fBBOhE6yr6Bu1CzgiBmAjE39_qM5T2-v20lJ9z-ekTYfCvbkvbqOsYK1jQd3nZJMPNKf5CG2uKf1lwc3n2b4z60Ufgwx0qfwmPI4s41hARaeBJOUt6fX_uoFaasjGASRabxLgm_sLeoYFp9qUw&csui=3) **(his niece) and her sibling** It scares me to think what he might do to get revenge. I wouldn't discount anything.

DarkR124

677% on PATH leaps. That was the same day I had the biggest return ever. Still is. Made about half my yearly salary that day (around $44K gains but didn’t include CG). Like everything in my portfolio was double digit green.

Fooshi2020

https://share.google/4pJnYsl0CG1Z9Uo56

ThreeSupreme

Hmm... Guess U weren't around in 2008, huh? # No safety net: Why private credit faces it first real moment of truth **Provided by Dow Jones** \- Private credit is easy to enter but hard to exit. Retail investors suddenly seeking their money back could trigger a financial crisis. A spiral of illiquidity, forced selling, markdowns, and intense risk deleveraging could emerge. Sound familiar? It happened with securitization markets during the **2007-08 financial crisis**. The recent selloff of Blue Owl Capital's (OWL) stock after a redemption at one of its retail private-credit funds has become the poster child for increasing anxiety about the health of the private-credit market. Private credit has grown rapidly in recent years - approaching $2 trillion - and it has never been tested through a full recession or highly volatile financial-market stress. Private credit does not have the financial backstop of the U.S. Treasury or the Federal Reserve, unlike most banks. JPMorgan Chase CEO Jamie Dimon recently warned after a pair of private credit-backed companies declared bankruptcy that problems in private credit are rarely isolated. **Wall Street braces for a private credit meltdown** The fault line exposed now is that private credit is being offered to retail investors and wealthy individuals whose investment objectives are very different from sophisticated institutional investors. These new investors will quickly line up to get their money back, effectively forcing sales of illiquid assets, as in the case of Blue Owl. Shares of Blue Owl hit a 52-week low earlier this month, as did shares of Blackstone (BX). Other major firms including Carlyle Group (CG), KKR (KKR), Apollo Global Management (APO) and Ares Management (ARES) were also caught in the selloff. Private credit-related defaults, particularly among private equity-backed companies, have accelerated significantly in 2025 and early 2026. According to a March 6, 2026, report from Fitch Ratings, the U.S. Private Credit Default Rate hit a **record 9.2%** in 2025, following a previous record of 8.1% in 2024, with 38 defaults recorded among 28 different borrowers.  

Michagogo

Wash sales only affect losses, a gain is still a gain even if you buy the stock back. And besides the fact that it would be on the 1099-B, you seem to be assuming that there’s short-term CG involved, which isn’t stated anywhere in the post. The part that isn’t LTCG is probably just the cost basis.

Own_Tart8518

Are yiu in Canada? If so, does your calculation account for the 50% CG inclusion rate? In any case, to offset the taxes, contribute the same amount of the taxable capital gain to your RSP.

Therecanbenopeace

My port is oddly doing really well today considering. CGNX SNOW and CG among the big gainers. Yay me.

bigasiannd

Congrats. I got in at $8 and $18 with an average cost of $10. Similar to you, no immediate plans to sell. It's all in my HSA so no CG taxes when we sell for pay for medical expenses after retirement.

cavanaughnick

How does short-term (a few months) investing and capital gains with somewhere like Robinhood work? I have a few grand that I'll need to use to pay my taxes with in April but it's sitting in my savings right now. Can I throw it in something safe/conservative on Robinhood for 2 months, hope it earns $100-200 in earnings, then take it out in April to pay my taxes? And if so, would they send me the tax forms next year that would only require me to pay CG tax on the growth and not the entire amount I deposit/withdraw?

mistermarpole

Asset growth, if they are going to be taxed, should be like a property tax. A smaller % levied annually like on real estate assets. The annual tax should be added to the cost of acquisition (ACB) to lower the eventual capital gains. This way, foreign owners in low CG tax jurisdictions pay something too, and you don't destroy your country's capital base.

FormerCompetition

This is correct on a multi year basis, like a decade or more. I need a fair amount of money per year. With no wages, that means selling appreciated investments (and eventually RMDs), which is either CG or OI or both for federal, and OI for CA. I want that optimized, after any management expenses. My gut tells me that most automated loss harvesting does not work after expenses for long term holdings, as no one has a crystal ball, and if they did, this is not how they would use it :) What is missing is my ability to KNOW that it is a bad idea. 1% expense ration is a lot different than 0.1% mentioned by someone earlier. If that is real and customizable, and I can fund a majority of the fund with existing appreciated assets, I would think the process would work out, but that is a lot of IFs. I have not really found anyone good to ask (fiduciary), which is why I posted here.

NastiN8

For long term CG yes. If its short term capital gain, it is the greater of their ordinary rate or 28%. Check yoself next time sir for you know not what you speak of.

ThanksS0muchY0

I started making the Ex-US move last February. I'm still heavily weighted in US, but what I did move has seen amazing growth. Particularly the European defence sector. But even VXUS outperformed VOO, especially on the timeline of my sell off and buy in. Unfortunately the majority of my holdings are not tax advantaged, so I have to eat CG taxes for anything I move. Slowly but surely.

SpeedBlitzX

I've seen commercials with better CG budgets.

neophenx

https://preview.redd.it/8aigvf0hzdeg1.png?width=251&format=png&auto=webp&s=1fce3109ffbe86c69864d7ff3259a7d4d1446846 The way none of them have legs and still look worse than a CG cartoon from 1995

NamedBird

Yes, very much have heard of it. (And i want it too) But the reality is that it'll take *years* before it's any reliable and then another many *years* before people stop needing IPv4 addresses. And no, CG-NAT is no solution either. Servers still need real addresses and you can only have so many end-users on it... For the foreseeable future, IPv4 will be a necessity. (And therefore, a scarce resource with limited supply, giving it value and making it tradable)

FlounderKind8267

I understand there's risk and whatever I invest in could potentially take a hit right before taking it out. I'm just looking for somewhere to put money where it could grow faster than a high yield savings account (4.5% at a bank near me). Something like no-dividend ETFs or federally tax-exempt dividend ETFs so I can avoid capital gains tax for the most part until the end, and I'd like to hold onto them for a longer period of time to get the long term CG tax rate instead of it being my tax bracket rate. I also considered CDs or T-bills but I've never done those and have little idea how they work

FlounderKind8267

I understand there's risk and whatever I invest in could potentially take a hit right before taking it out. I'm just looking for somewhere to put money where it could grow faster than a high yield savings account (4.5% at a bank near me). Something like no-dividend ETFs or federally tax-exempt dividend ETFs so I can avoid capital gains tax for the most part until the end, and I'd like to hold onto them for a longer period of time to get the long term CG tax rate instead of it being my tax bracket rate. I also considered CDs or T-bills but I've never done those and have little idea how they work

PatientBaker7172

I love ai. Do you use ai? https://youtube.com/shorts/JAVMEs5CG1Y

figuring_ItOut12

Deep thoughts on CG America?

fluffynukeit

I am the same boat. In this thread I see too much conflating of 529 and saving for college. The question isn't should you save for college if you have kids and can afford it - I think of course you should. The question is whether a 529 plan is the best way to do it. I live in a no-income-tax state, so the state tax advantages of 529 don't help. So then it is about LTCG and investing freedom. For most people, it will be worst case 15%, which to me is a small price to be able to use a big chunk of my net worth for anything I want instead of siloing it for a specific purpose. If your taxable income (which includes CG) is low enough, they are already taxed at 0% in a brokerage, which might be the case in an early retirement situation with most expenses low and debts paid off.

Sharp-Direction-6894

Right on, bro! The US has rules for long term CG. I can have something like 98k in LTCG and pay 0% federal. I don't know exactly, because I'm not there yet. Just buying and holding at this point in my life.

GainOverall3804

Ticket is CG

jmb95945

I don't know, man. I am not sure how much gas the AI trade has left in the tank. I am old enough to have been in the job market for the Dotcom meltdown, and the parallels are more than concerning. I recently read about a company called [Starcloud](http://Starcloud.com) (but they might as well call it Webvan-in-outer-space), which has has raised \~$25M because they made some CG renders of what data-centers in orbit might look like. They have no idea how to solve the myriad of cost and technological problems that this idea presents, but they do have nice looking graphics and a tiny office, so probably legit? When companies that will so obviously be epic failures are getting funded, basically just because it relates to "AI", is a surefire sign that the bubble is nearing it's end. I would bet the farm against that company, and many others similar startups if I could -- the ones that are so illustrative of how "irrationally exuberant" people have gotten about investing in AI and data-centers. VC, private equity, and some banks(ie. SoftBank) are starting to run out of money to throw into the growing AI dumpster fire, that continues to prove that AI can't live up to the hype, replace any meaningful amount of labor, or solve any real world problems that are even moderately novel and complex. Perhaps this is a contrarian stance, but I think we are starting to enter the melt up phase of the current bubble/hype cycle. Maybe you can make some money during the last gasps, but I would be very cautious, and keep your stops snug. You do not want to end up a bag-holder as the smart money cashes in. Last but not least, NBIS has 16% of the float in short interest and rising, so there are quite a few people and institution on the opposite side of this trade with a vested interest in seeing your investment losing value, so yah, be careful.

vatorious1102

Had a similar question: https://www.reddit.com/r/options/s/6FQHeDsfPD Apparently there is such a thing of whether a covered call is qualified? See response to my comment. This worked as intended a couple years back...agree you can get favorable treatment if you buy back the call and sell the shares if they have long term CG

movdqa

It sounds like enterprises are trying to see if it makes financial sense and that it may require a lot of employee training to make better use of it. The growth of the services is definitely there as the cloud companies are buying hardware. The question is if enterprises are paying for the services. And there's this: # Microsoft denies report of lowering targets for AI software sales growth *Dec 3 (Reuters) - Microsoft on Wednesday denied a report from The Information that multiple divisions at the company lowered sales growth targets for certain artificial intelligence products after several sales staff missed their goals in the fiscal year that ended in June.* *The source-based report cited two salespeople in the Azure cloud-computing unit, which is closely watched by investors as it is the main beneficiary of Microsoft's* [*(MSFT.O)*](https://www.reuters.com/markets/companies/MSFT.O)[*, opens new tab*](https://www.reuters.com/markets/companies/MSFT.O) *AI push.* *An* [*MIT study*](https://www.reuters.com/business/retail-consumer/big-tech-report-earnings-under-specter-ai-bubble-2025-10-27/) *from earlier this year had found that only about 5% of AI projects advance beyond the pilot stage.* *The Information report said Carlyle Group* [*(CG.O)*](https://www.reuters.com/markets/companies/CG.O)[*, opens new tab*](https://www.reuters.com/markets/companies/CG.O) *last year started using Copilot Studio to automate tasks such as meeting summaries and financial models, but cut its spending on the product after flagging Microsoft about its struggles to get the software to reliably pull data from other* [https://www.reuters.com/technology/microsoft-lowers-ai-software-sales-quota-customers-resist-new-products-2025-12-03/](https://www.reuters.com/technology/microsoft-lowers-ai-software-sales-quota-customers-resist-new-products-2025-12-03/) I have a fairly new Co-Pilot laptop and I played around with it and determined that I didn't have any reason to use it. And I haven't found anyone that's provided a good reason why I need it. Apple doesn't have an AI strategy. And I don't think that it's hurting them in sales at all. AI has been the buzzword but does having something in silicon on your device help at all? I'm sure that there's a tiny number of people that may be able to make use of it but I don't think that anyone cares if their laptop is AI enabled unless you're working on LLMs on your laptop and then there are specific specs and hardware that you want.

Various_Couple_764

For growth index funds taxes will be generated by capital gains distributions, dividends, and when you sell shares of the funds. Capital gains distributions and dividends generate tax every year. ETF only have dividends which are typically reinvested by investors. ETFs have a way of absorbing capital gains distributions. Mutuala funds pay out capital gains distributions and dividend. You should reinvest all of that. But you will still pay a tax on both Capital gains distribution are sporadic and not predictable. Some years FXAIX has no CG distributions, other years small ones, and rarely big ones. So in genral FXAIX will probably generate higher taxes. But that won't be an issue in retirment account. only in a taxable account. But the tax hit in a taxable account son't be significant until you have about 1 million invested in FXAIX.

Historical_Course587

People are talking about cartoons, but I'd bet this is more about Disney wanting to be on the ground floor of any technology that could disrupt the special effects industry. Between Disney building green screen studios to replace on-location shooting, and the fact that ILM has touched pretty much every movie with CG in it over the last 30 years, this is them hedging bets to protect the way they make movies.

Caroline4999

The amount that was acquired within the last year is taxed at short term rate and the remainder is taxed at the long term CG rate.

aywwts4

Do the math there and you will realize securing profit should always come before marginal tax on profit optimization. Indeed not making money is the superior tax move. Losing money is even better! Set your stop loss range with short term CG in mind, maybe these profits I reinvest will get lucky next time and see a quiet year+ of low volatility drama free gains at long term capital gains maturity, or maybe they get really lucky again and I pay short term capital gains having secured profits and avoided losses. If hype-chasing drunken AI momentum traders decoupled from fundamentals enter your equity and want to pay out your entire multi-year ROI thesis in weeks instead of years, don’t decline the gift because you’ll owe taxes on the profit, pay the fucking taxes.

TheOpeningBell

It's more than that. What if you were able to have positive total returns with harvested losses, some matched to gains, and have a flatter future CG liability??

Complex-Challenge374

On the hiring side: employers announced 488,077 planned hires through October, down ~35 % from the same point in 2024 (750,333) and the lowest year-to-date since 2011 according to CG&C.

writenroll

Many employers use CG/American Funds for 401ks, etc. in case that's a possibility. Best to call the customer service number on the website (not on the letter) to get the lowdown.

knocking_wood

I see.  I have some highly appreciated stock that I would pay 23.8% including CG taxes on today but if I wait until I am RE, I could pay as little as 0 taxes.  For me, doing a collar strategy makes sense.  But a put to protect from downside risk and the sell a OTM covered call to pay for the put.  My gains and losses are both capped but if I buy the options to expire in 2026, I can more or less lock a lot of my current gains in without selling until my income has gone down.

mafugga77

Why? He has general wealth from his time at CG and can do anything anywhere after his term. He doesn’t give a shit

desturel

It already is. They've already stated replacing "normal" looking women on adult websites with AI generated CG.

Master_Excuse9041

Why 100? Take the CG tax into calculation too

slowwolfcat

meaning CG IS IN AGI full stop ?

slowwolfcat

> the extra gains are taxed at 15% e.g. filing as Single: ONLY income is LTCG of $49K, LTCG Tax: 0% up to $48,350 So 15% CG tax on (49000 - 48350) ?

slowwolfcat

> capital gains rate of 0% applies if your taxable income is CG counts as taxable income , right ?

Me-Regarded

GIS is what I just bought. Good earnings, suffering from the SNAP drama. CG a contender. I think COST is also down because of snap

Hungry-Storage6789

depends which country you are remitting too from what i have learned so far. The country i would be a tax resident in taxes foreign CG regardless of where it comes from now, so i am kind of screwed

Hungry-Storage6789

here in Canada i could do the same thing but i would see a 25% withholding tax immediately and if the gains in a given year exceed a certain amount i could get taxed at 40% or higher. Seems to me that the 35% top end tax bracket in Thailand would net less tax if i was remitting 5+million baht/year. Sounds like (given the current rules) i have to accept that investing through thailand is only marginally more beneficial then my citizenship country Canada. And unfortunately it doesn't matter which country i invest, i am going to get hit bringing in any money into thailand. The only + with my situation is that i can bring my entire networth/liquidity into thailand with zero tax because it would be from the sale of real estate which i already paid CG on in Canada, which the DTA helps in this case. What would you do if you could bring over, hypothetically. 1 million USD to thailand tax free given the new rules?

Hungry-Storage6789

Interesting, i had no idea, thank you very much for the clarification. Could you please let me know your opinion on the best way to remit foreign earnings in light of the new rules to Thailand in hopes of avoiding that nasty 30-35% CG tax?

Hungry-Storage6789

"If you are a tax resident in a country that charges CG tax annually without realizing the gain, you owe it regardless of where which country your gain is in." Correct me if i am wrong but my thai tax advisor confirmed that CG is only taxable if it is remitted to thailand in the same year it was realized. It can be liquidated in another country and remitted the following year with zero tax.

SLR_ZA

I thought you were talking about somewhere with real issues, like Libya, Zimbabwe, or Myanmar. What percent of people have had their funds seized and for what in Canada? It sounds much easier to just hold global diversified ETFs. If you are a tax resident in a country that charges CG tax annually without realizing the gain, you owe it regardless of where which country your gain is in. If you are not, then you should be thinking about where you are at the time you realize gains.

rackoblack

Keep DCA'ing, with same or larger amount. Put the balance in something that will beat inflation safely - T-Bills, maybe some in PULS, FLRN, SKOR - the ETFs are easier to trade in/out of when you need that capital (share prices don't rise much, they just throw off dividends, so no CG tax worries). You don't say whether it's in a taxable or tax-advantaged fund...

walrusparadise

Anything to share about your PE hypothesis? CG, APO, and KKR are down 13-20% on the month and I'd be interested in getting in but don't see signs of it turning around soon

username00009999

Emergency funds are for emergencies and should be liquid (access within 72-hours or less) and not tied to market fluctuations. Ideally, they should grow with at least inflation, after tax. FXAIX fails that test because it’s subject to market fluctuations. I personally am using BOXX for my emergency funds within a taxable brokerage. This can carry some tax advantages (deferred LT CG) but has potential future tax risks (IRS changes tax treatment). I am in a state without income tax and willing to take the risk.

chibriguy

To start out, I'm a dummy. I tried to google this, but couldn't really find a clear answer. I have a questions on how capital gains work that I'm hoping you guys can help me with. Lets say I have a salary of 90k, and I've made 150k on short term capital gains this year. I live in a state that has a flat 5% capital gains tax. I am a single filer. 1. when it comes to what short-term Capital gains tax bracket I fall into, is my salary factored in at all? So without my salary, I top out at the 24% bracket (84k - 160k). But if my capital gains starts at 91k, that would push me up to the 35% bracket (204k - 510k). 2. Is the Capital gains tax flat? like, if my CG is at 150k, is the whole thing taxed at 24% or is it by bracket, like the first 10k being taxed at 10%, then 10k-40k being taxed at 12%, 40k-84k at 22%, and so on. Again, I'm an idiot. I know these questions are super basic, but this is the first year of my life that I'm going to have a large amount of capital gains and I want to make sure I'm prepared when taxes come around. Thank you.

enola007

Oncology stocks looking good - CG & Kura

smoop86

Is CG being punished for announcing the bad news lol

SDirickson

"Can I realize a short-term gain in a taxable account without paying STCG taxes?" That would be a No. If you're concerned about CG taxes, that means you're already winning, so complaining about it sounds a bit silly.

dqdg

Interesting. So you don’t have CG when you sell the shares?

charliemike

Aren't there investment vehicles that allow a person to invest capital gains into like reinvestment zone funds or whatever and if they keep them there for a mandated amount of time they don't have to pay those CG in the end?

Teembeau

How is this ever going to work? Avengers Infinity War was filmed in USA, Phillipines, Brazil, UK and had CG teams in UK, USA, New Zealand. Then do you pay a tax because of Paul Bettany, Pom Klementieff , Chris Hemsworth? If there's a moment where filmmaking shifts to somewhere else like UK, Canada or maybe China, this is it.

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.