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Any growth in the "government's portion" is yours until you sell. Also, if you sell after retirement the tax rate is going to be low if you don't have much non-
by flowerlad 5y ago
Any growth in the "government's portion" is yours until you sell. Also, if you sell after retirement the tax rate is going to be low if you don't have much non-investment income.
- isthis129283 5y agoI agree it's yours until you sell. We are just debating semantics (does retiring with $14M mean retiring with $14M you can spend, or $14M minus taxes that you can spend). Also, Capital gains is treated differently than ordinary income. Your income tax bracket is irrelevant in determining your capital gains rate (at least for now).
- neogodless 5y agohttps://www.nerdwallet.com/article/taxes/capital-gains-tax-rates https://www.nerdwallet.com/article/taxes/capital-gains-tax-r... Income tax bracket doesn't directly correspond with capital gains brackets, but total income affects the capital gains tax rate.