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2
Posted on 5/13/26 at 3:49 pm to JoeBobRuby
Hawgleg’s Apple price trigger submitting retirement notice today?
Fishing in a lake tmr!
Fishing in a lake tmr!
Posted on 5/13/26 at 5:07 pm to Hawgleg
quote:
Its hitting me hard lately. Burned out,
I’m 55 and I get it.
You don’t need to retire IMO - you need to find a new job. Spend some time thinking of something you’d like to do and where you’d like to do it. Any income would be better than none and it sounds like you’ve got all the freedom to do whatever.
But to answer your question, I wouldn’t even try to retire at 55 with $760k.
Posted on 5/13/26 at 5:16 pm to Hawgleg
quote:
If you guys ever see someone post with handle
Every Day is Saturday II you will know I pulled the trigger
I've seen this handle in the past week?
Posted on 5/13/26 at 6:32 pm to lsu xman
I agree your not ready to RETIRE but you are ready to switch to a job u dont hate.... An outside job of some kind. It could even be part time. Just that adjustment should reset your paradigm
Posted on 5/14/26 at 9:09 am to JoeBobRuby
Hahahah panicked and called and cancelled the sell last week when it hit 294.
Apple has done me so good over the last ten years I am afraid to get rid of it.
I know I am way to heavy in it.
Still at this freeking desk.
Apple has done me so good over the last ten years I am afraid to get rid of it.
I know I am way to heavy in it.
Still at this freeking desk.
Posted on 5/14/26 at 9:31 am to Hawgleg
That may have been a good move. By my rough estimate you'd have paid nearly 2% of your entire nest egg just in LTCG on that sale. That's a hefty price to pay just to rebalance. Your concentration is very risky but for tax optimization you'd be best off selling after retirement when you can take advantage of zero LTCG rate.
There's probably a good way to hedge your position in meantime in case APPL has a big drop.
There's probably a good way to hedge your position in meantime in case APPL has a big drop.
Posted on 5/14/26 at 9:52 am to TorchtheFlyingTiger
You dont have to pay LTCG after you retire?
I really dont understand how CG works and what would be best for me.
I guess my accountant could answer those ?s the best? My Financial Guy?
I do have alot to learn.
I really dont understand how CG works and what would be best for me.
I guess my accountant could answer those ?s the best? My Financial Guy?
I do have alot to learn.
Posted on 5/14/26 at 10:06 am to Hawgleg
If your Adjusted Gross Income (AGI) is below $49,700 when filing Federal taxes as single, and you have capital gains, they are taxed at 0%. Throw in the standard deduction on top and get a little more income room to enjoy no CG taxes.
This is not a retirement thing. It’s an “income level” (AGI) thing.
Above that up to $548,000 and LTCG tax is 15%.
The market risk (stock price decline), as TorchtheflyingTiger points out, may cost you more than LTCG dependent upon when you diversify.
Hedging (betting on both sides, my words — if Apple increases or decreases, you net similar value) protects against market risk. This gets a little “fancy finance”.
Key point, you will want to be much more diversified (spread your risk) when you unlock from that desk and enter retirement.
This is not a retirement thing. It’s an “income level” (AGI) thing.
Above that up to $548,000 and LTCG tax is 15%.
The market risk (stock price decline), as TorchtheflyingTiger points out, may cost you more than LTCG dependent upon when you diversify.
Hedging (betting on both sides, my words — if Apple increases or decreases, you net similar value) protects against market risk. This gets a little “fancy finance”.
Key point, you will want to be much more diversified (spread your risk) when you unlock from that desk and enter retirement.
This post was edited on 5/14/26 at 10:17 am
Posted on 5/14/26 at 10:15 am to Everyday Is Saturday
So if I sell 150k in Apple stock and I dont make oer 47k that year I dont have to pay CG tax?
Posted on 5/14/26 at 10:18 am to Hawgleg
If your AGI is, Correct! Your capital gains are included in AGI. So, if not other income, you can earn $49,700 (plus standard deduction) of capital gains, that would be taxed at 0%.
And you are now among the “rich people don’t pay taxes” club. Kidding
And you are now among the “rich people don’t pay taxes” club. Kidding
This post was edited on 5/14/26 at 10:34 am
Posted on 5/14/26 at 10:28 am to Everyday Is Saturday
Right, if you sell now the gains would be stacked on top of your W2 income and most would be taxed at 15%.
Even better, something like $65k ($49k plus standard deduction $16k) of LTCG could be harvested in the zero LTCG bracket. In your scenario that would more than cover your projected $50k budget. But to clarify, that $65k is all income including the LTCG. So every dollar of LTCG that exceeds $65k (stacked on top of other income) is taxed at 15%.
However, you are retaining extreme risk with that portfolio concentration in a single company.
You should really learn a bit about tax optimization, portfolio allocation and retirement withdrawal strategies before making the leap. It should be pretty simple given your low projected annual needs.
quote:
So if I sell 150k in Apple stock and I dont make oer 47k that year I dont have to pay CG tax?
Even better, something like $65k ($49k plus standard deduction $16k) of LTCG could be harvested in the zero LTCG bracket. In your scenario that would more than cover your projected $50k budget. But to clarify, that $65k is all income including the LTCG. So every dollar of LTCG that exceeds $65k (stacked on top of other income) is taxed at 15%.
However, you are retaining extreme risk with that portfolio concentration in a single company.
You should really learn a bit about tax optimization, portfolio allocation and retirement withdrawal strategies before making the leap. It should be pretty simple given your low projected annual needs.
This post was edited on 5/14/26 at 10:32 am
Posted on 5/14/26 at 10:43 am to TorchtheFlyingTiger
Learned something new.
If I hung it up next year. 0 income
I could sell up to 49k in LTCG and not be taxed on it?
That 15-20 percent would pay my health insurance. No?
If I took a part time job that jumped me over the 49k I would be taxed on LTCG? so the part time job would hurt me?
I see above that I get the deduction also factors in. That would seem to make what I want to do a little more obtainable.
If I hung it up next year. 0 income
I could sell up to 49k in LTCG and not be taxed on it?
That 15-20 percent would pay my health insurance. No?
If I took a part time job that jumped me over the 49k I would be taxed on LTCG? so the part time job would hurt me?
I see above that I get the deduction also factors in. That would seem to make what I want to do a little more obtainable.
This post was edited on 5/14/26 at 10:48 am
Posted on 5/14/26 at 11:19 am to Hawgleg
Tax optimized scenario might look like this:
Part time $16k income taxed at zero because of standard deduction.
Stack $49k LTCG on that at zero LTCG rate.
You'd also want to consider ACA subsidies and how income impacts eligibility.
Eta: Obviously these are current 2026 brackets and will change every year. So you need to adjust for 2027 or whatever year you semi retire. This is federal only not considering state taxes if any
Part time $16k income taxed at zero because of standard deduction.
Stack $49k LTCG on that at zero LTCG rate.
You'd also want to consider ACA subsidies and how income impacts eligibility.
Eta: Obviously these are current 2026 brackets and will change every year. So you need to adjust for 2027 or whatever year you semi retire. This is federal only not considering state taxes if any
This post was edited on 5/14/26 at 11:23 am
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