Search found 89 matches

by kxl19
Mon Jul 27, 2020 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Creative ways to meet rewards checking transaction requirements?
Replies: 29
Views: 1355

Re: Creative ways to meet rewards checking transaction requirements?

Set up your monthly bills to be paid by creditors' ABP (automatic bill payment) plans targeted to 2% Citi Double Cash CC to effectively earn 2%/yr tax-free on 1yr of living expenses. My choice. Can you elaborate more on this? How would you use your Citi Double Cash to pay your bill payments? Mortga...
by kxl19
Mon Jul 27, 2020 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Using IB margin to pay off mortgage
Replies: 37
Views: 2406

Re: Using IB margin to pay off mortgage

I would try to make the margin interest tax-deductible by: 1. Pay off the mortgage with cash on hand or taxable investments. 2. Use margin loan to replace those investments. 3. Margin loan interest is now deductible. Assuming you itemize. But isn't the deductability of margin interest only limited ...
by kxl19
Mon Jul 27, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Creative ways to meet rewards checking transaction requirements?
Replies: 29
Views: 1355

Re: Creative ways to meet rewards checking transaction requirements?

Good idea. However, what's the effective top end of the rewards checking? If it's only up to 25K then its really not worth it. Citi Double Cash is 2% and if you do a lot of automation and spending on it you are guaranteed to come out above a debit card with 15 transactions. I used to do that but wh...
by kxl19
Mon Jul 27, 2020 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Creative ways to meet rewards checking transaction requirements?
Replies: 29
Views: 1355

Creative ways to meet rewards checking transaction requirements?

With these low rates, I'm considering opening more reward checking accounts, but looking for creative ways to genereate / automate the transaction requirements. IN general, seems like 15 debits / ACH / billpays is a general requirement. One method I considered - my wife and I have separate joint Rew...
by kxl19
Mon Jul 27, 2020 7:34 pm
Forum: Investing - Theory, News & General
Topic: With interest rates at zero, is VBTLX still a sensible component of the Three Fund Portfolio?
Replies: 117
Views: 8027

Re: With interest rates at zero, is VBTLX still a sensible component of the Three Fund Portfolio?

I happily avoided mortgage prepayment for years and the results were fantastic because I invested the money in equities. But I decided to derisk a bit and turned on the prepayment tap last year. I briefly stopped prepayment to buy stocks during the March panic, but I have the majority of my remaini...
by kxl19
Sun Jul 26, 2020 11:09 pm
Forum: Personal Investments
Topic: Fixed Rate Annuity
Replies: 20
Views: 1440

Re: Fixed Rate Annuity

Where does one "hold" these annuities? Is it something I can hold in a brokerage? Or is it just another "account" that I'l have to track?

I do find the interest rate quite interesting given the alternatives.
by kxl19
Mon Jul 20, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP HSA Understanding out of pocket limit versus deductible
Replies: 4
Views: 291

Re: HDHP HSA Understanding out of pocket limit versus deductible

Thanks all - agreed, edited the title, and agree on the standard caveats (in-network etc). For our first time, it's an interesting setup, in that the OOP max essentially caps your max spend, limiting your total liability. We're "lucky" in that this year, we had several large events (baby, MRI, etc) ...
by kxl19
Mon Jul 20, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP HSA Understanding out of pocket limit versus deductible
Replies: 4
Views: 291

HDHP HSA Understanding out of pocket limit versus deductible

Could use some help here, we have an HSA for the first time, for a family. We have a net $6k family deductible and a $6k Out of pocket limit. From a recent statement, we are very close to meeting our out-of-pocket limit, but still under the deductible. Does this mean that once we meet the out of poc...
by kxl19
Wed Jul 15, 2020 7:58 pm
Forum: Investing - Theory, News & General
Topic: Workaround the 750k mortgage deduction?
Replies: 11
Views: 1706

Re: Workaround the 750k mortgage deduction?

^^This is the solution I remember reading. The tradeoff would be potential capital gains when sell the stock. I found the reference from a previous post about this topic, it links to a Silicon Valley Bank article about "Maximizing Deductible Interest" https://www.svb.com/blogs/mary-toomey/maximizing...
by kxl19
Tue Jul 14, 2020 9:29 pm
Forum: Investing - Theory, News & General
Topic: Workaround the 750k mortgage deduction?
Replies: 11
Views: 1706

Workaround the 750k mortgage deduction?

I understand the 2017 TCJA act reduced the deductability of first home mortgage to the first 750k of debt (and older mortgages are grandfathered in). I thought I read here that there are workarounds on this, somehow using an investment account? Does anybody know how this works? I'm guessing it invol...
by kxl19
Tue Jul 07, 2020 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance w/ CrossCountry Mortgage
Replies: 11
Views: 685

Re: Refinance w/ CrossCountry Mortgage

I recently closed with cross country mortgage, they did sell off the servicing rights. Here is the letter I received after closing.
CrossCountry Mortgage, LLC has contracted with Dovenmuehle Mortgage, Inc. (“DMI”) to provide the actual servicing of your loan.
by kxl19
Sun Jun 28, 2020 9:19 pm
Forum: Personal Investments
Topic: Participate in ESPP?
Replies: 28
Views: 1258

Re: Participate in ESPP?

Everybody keeps ESPP for 1 years at least, for tax purposes. You make a pipeline. No I sell immediately and I am sure most do same. Once you fill the pipleine is exactly the same. Of course you can argue you are more exposed to risk with the quantity in the pipeline. But the absolute amounts in ESP...
by kxl19
Tue Jun 23, 2020 8:54 pm
Forum: Personal Investments
Topic: Should I ever hold ESPP until a qualifying disposition?
Replies: 43
Views: 2286

Re: Should I ever hold ESPP until a qualifying disposition?

The amount you hold in your ESPP is just peanuts compared to your income. Why do you sweat over little changes. I will just give it a shot. This is also my response. I'm in a similar dilemma as you, and similar tax rates (fed+state). Given ESPP is a small % of overall holdings, I'm OK with taking o...
by kxl19
Wed Jun 10, 2020 9:36 pm
Forum: Personal Investments
Topic: Timing capital gains: sell appreciated employer stock after tax-loss harvesting?
Replies: 17
Views: 616

Re: Timing capital gains: sell appreciated employer stock after tax-loss harvesting?

Are you acquiring this stock pursuant to an employee stock purchase plan? The stocks are granted not purchased (RSUs) Note that RSU is taxed as income at vesting, and your tax loss harvest will only apply to any short-term/long-term cap gains after that period, but won't offset your "income" for th...
by kxl19
Wed Jun 10, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Heloc to pay down principal
Replies: 8
Views: 630

Re: Heloc to pay down principal

Is it worth to pay down principal using heloc to get into conventional loan limit? Current loan: 650k Rate: 3% 30 years Proposal: Loan: 510k Rate: 2.375% 15 years Heloc: 140k. Assuming fixed at 3% based on mail I got from third federal Third Fed used to offer a prime - 1.01% mortgage, we got ours i...
by kxl19
Mon Jun 01, 2020 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Visiting Grandchildren from Singapore Health Insurance
Replies: 6
Views: 751

Re: Visiting Grandchildren from Singapore Health Insurance

Two grandchildren ages 15 and 16 both USA citizens but residents of Singapore will be visiting USA for about one month. Their Singapore based health insurance may not cover them in the USA. Any suggestions for arranging coverage would be very welcome. We had my parents in-law, from Malaysia, visiti...
by kxl19
Mon May 25, 2020 6:31 pm
Forum: Personal Investments
Topic: Portfolio review: rental condo, AMT, ISOs, target date funds
Replies: 15
Views: 867

Re: Portfolio review: rental condo, AMT, ISOs, target date funds

Thanks for calling this out. After you've exercised ISOs, how do you value illiquid stock in the context of your broader portfolio? I've read some folks suggest "value it at zero until IPO". But that seems overly conservative. Right now, FMV is about 6x my lowest strike price. I've exercised about ...
by kxl19
Mon May 25, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: At what point can I back-out of a refi for a better rate?
Replies: 8
Views: 642

Re: At what point can I back-out of a refi for a better rate?

I'm a little confused. How did you find the refi? On your own or through the mortgage broker who brought you the new offer? Or is it the same lender who holds your current mortgage. What expenses have you already paid up front (e.g., appraisal, credit pull)? Found the first refi thru Costco on my o...
by kxl19
Mon May 25, 2020 3:11 pm
Forum: Personal Investments
Topic: Portfolio review: rental condo, AMT, ISOs, target date funds
Replies: 15
Views: 867

Re: Portfolio review: rental condo, AMT, ISOs, target date funds

[Edit: BTW. Don't forget about disqualifying disposition. That can save your house in a falling market. Exercise and hold ISO in early January, you can disqualify all the way up until late December. And if the market doesn't plunge, you can meet the year holding period and still sell before taxes a...
by kxl19
Mon May 25, 2020 3:07 pm
Forum: Personal Investments
Topic: Portfolio review: rental condo, AMT, ISOs, target date funds
Replies: 15
Views: 867

Re: Portfolio review: rental condo, AMT, ISOs, target date funds

I'm having trouble confirming this online, but my understanding is that the AMT carryover has no expiration so could be used in a future year eg in retirement or between jobs. (Although who knows what tax laws will be.) Is that right? Are you planning to use yours eventually? Yes - I believe that's...
by kxl19
Mon May 25, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: At what point can I back-out of a refi for a better rate?
Replies: 8
Views: 642

At what point can I back-out of a refi for a better rate?

We're in the process of a re-fi, I've recently signed a rate-lock, but we're awaiting underwriting because my wife went on maternity leave and her income has changed, and mortgage agent was concerned this would cause the underwriter to not process the loan. Simultaneously, our original mortgage brok...
by kxl19
Sun May 24, 2020 11:04 pm
Forum: Personal Investments
Topic: Portfolio review: rental condo, AMT, ISOs, target date funds
Replies: 15
Views: 867

Re: Portfolio review: rental condo, AMT, ISOs, target date funds

My understanding is that I can use 2019 AMT payment to offset normal taxes in a tax year when normal taxes exceed AMT. I'm wondering if there are specific things I can/should do to optimize that delta. Perhaps _not_ exercising this year is one? Yes, this is true, however, I'm guessing you'll have a...
by kxl19
Sun May 24, 2020 10:27 am
Forum: Personal Investments
Topic: Portfolio review: rental condo, AMT, ISOs, target date funds
Replies: 15
Views: 867

Re: Portfolio review: rental condo, AMT, ISOs, target date funds

Regarding AMT, I've found the following two helpful in guiding your decision making on how many shares to exercise: Generally, the idea is to exercise up to the AMT exclusion limit. 1 - AMT Calculator: https://github.com/lambtron/amt-calculator, and there's a corresponding website 2 - The Personal F...
by kxl19
Sat May 23, 2020 12:46 pm
Forum: Personal Investments
Topic: QSBS (Section 1202 Exclusion) related question, can they be funds?
Replies: 2
Views: 4279

Re: QSBS (Section 1202 Exclusion) related question, can they be funds?

I've been able to use the 1202 exclusion, it mainly applies to private companies, ie, startup employees who exercise & hold options or startup investors who invest while the company is still private and company assets (post any fundraise) are below $50m (if I recall correctly). It would be unusual f...
by kxl19
Thu May 14, 2020 4:34 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2246
Views: 385696

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thanks kxl19, I emailed my local branch and they said no dice. Can't visit the brand of course right now. Was there something you had asked for, or did you say you'd leave E*TRADE? What was your leverage? No leverage - just asked. This was in February though before the meltdown, so things may have ...
by kxl19
Wed May 13, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: Under the hood: Vanguard's Muni Bond Funds
Replies: 5
Views: 880

Re: Under the hood: Vanguard's Muni Bond Funds

I am looking to better understand the municipal bond market. Many use VTEB (Vanguard Tax-Exempt ETF) in their taxable account. As I understand it, VTEB invests in bonds from state or local governments, which if broadly diversified, should be fairly low risk. Are there also investments in utility co...
by kxl19
Tue May 12, 2020 11:11 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2246
Views: 385696

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

From my Etrade guy: Deposit Amount = Credit $500,000 - $999,999 = $2,000 $1MM - $1.99MM =:$4,000 $2MM - $2.99MM = $6,000 $3MM - $3.99MM = $8,000 $4MM+ = $10,000 I am not seeing these amounts. Only $1,200 on amounts >$500K and less than <$1.0 million and $2,500 on amounts over $1.0 million. See here...
by kxl19
Tue May 12, 2020 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 114
Views: 14233

Re: Capital One 360 Savings Promo

How long did it take for the trial deposits to show up? I registered on Sunday, still no trial deposits showing up in my Fido account (which generally posts quickly).

I Might wire from Fido if it takes much longer...
by kxl19
Tue May 05, 2020 10:52 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2246
Views: 385696

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

From my Etrade guy: Deposit Amount = Credit $500,000 - $999,999 = $2,000 $1MM - $1.99MM =:$4,000 $2MM - $2.99MM = $6,000 $3MM - $3.99MM = $8,000 $4MM+ = $10,000 Retirement accounts or taxable? I recently received the bonus from this promo. Both taxable and retirement are eligible. The bonus is pror...
by kxl19
Tue May 05, 2020 10:06 pm
Forum: Personal Investments
Topic: Large pharma stock (Allergan) slated to be acquired. Large LTCG. Sell before deal closes?
Replies: 8
Views: 955

Re: Large pharma stock (Allergan) slated to be acquired. Large LTCG. Sell before deal closes?

I've been through M&A where my employer (medtech) was acquired by another larger medtech company (a competitor of AbbVie). While the purchase price was high, it ended up being a disaster for the acquiring shareholders. I learned later that most acqusitions end up "overpriced" to the acquirer. (ie, t...
by kxl19
Fri Apr 24, 2020 7:54 pm
Forum: Personal Investments
Topic: Intermediate term tax exempt bond fund
Replies: 27
Views: 2425

Re: Intermediate term tax exempt bond fund

Fidelity has as good recent article studying historical muni performance from 1970 to 2018 from Moody's data. Main conclusion is that Munis (regardless of rating) have a lower default rate that similarly rated corporate bonds! Excerpt table below: Rating Municipal bonds (%) Corporate bonds (%) Aaa2 ...
by kxl19
Sat Apr 18, 2020 1:56 pm
Forum: Personal Investments
Topic: Any high bracket investors dumping munis?
Replies: 127
Views: 9553

Re: Any high bracket investors dumping munis?

Decided to research what VG's annual reports for muni's looked like in 2008 and 2009, because I was searching if there were defaults. The letter sounds a lot like today - where pretax munis yield more than taxable treasuries, and how abnormal this is... I recall reading something about how initial p...
by kxl19
Sat Mar 28, 2020 3:46 pm
Forum: Personal Investments
Topic: Any high bracket investors dumping munis?
Replies: 127
Views: 9553

Re: Any high bracket investors dumping munis?

Economy is frozen and expenses keep going up due to pandemic. Read that fed can only buy short term muni debt up to 6 months to help with market liquidity. We don’t know how long this will last. Staying the course with equities and buying more but my muni allocation represents the safe part of my p...
by kxl19
Wed Mar 25, 2020 12:16 pm
Forum: Personal Investments
Topic: Tax loss pair for Vanguard High Yield Tax Exempt Bond (VWALX)?
Replies: 2
Views: 186

Tax loss pair for Vanguard High Yield Tax Exempt Bond (VWALX)?

My bond portfolio has been 50% Treasuries, and 50% Muni (split between interm term - VWIUX and high-yield VWALX). (we're in the top tax brackets) Looking for a tax loss harvest partner for VWALX due to the recent drops. I realize the yields have spiked for all muni's due to liquidity gaps. I'm consi...
by kxl19
Wed Mar 25, 2020 11:54 am
Forum: Personal Investments
Topic: what fixed income today?
Replies: 37
Views: 2072

Re: what fixed income today?

indexfundfan wrote:
Wed Mar 25, 2020 10:23 am
An example of a secondary 21mo CD offering from Fidelity:

Final yield after taking account into commissions is 1.900091%.

In contrast, a new-issue 18mo or 24mo CD pays only about 1.35%.
You must be stimulating demand - I just looked up this CD and YTM is now closer to 1.75%. =)
by kxl19
Sun Mar 15, 2020 8:27 pm
Forum: Personal Investments
Topic: ITOT/VTI or something else in Taxable fidelity?
Replies: 5
Views: 623

Re: ITOT/VTI or something else in Taxable fidelity?

Use ETFs in a taxable account. Here are seven: For US stocks, I recommend any of the following: - iShares Core S&P Total U.S. Stock Market ETF (ITOT) - Schwab U.S. Broad Market ETF (SCHB) - SPDR Portfolio Total Stock Market ETF (SPTM) - Vanguard Total Stock Market ETF (VTI) Thanks for this list - I...
by kxl19
Tue Feb 25, 2020 11:47 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2246
Views: 385696

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Morgan Stanley buying E*Trade for $13 billion: https://www.cnbc.com/2020/02/20/morgan-stanley-reportedly-to-buy-e-trade-for-13-billion.html May be a good time to get in on an E*Trade bonus, I believe this is the current high offer and expires at the end of the month: https://us.etrade.com/promo/500...
by kxl19
Sat Feb 01, 2020 3:43 pm
Forum: Personal Investments
Topic: ISO options: exercise, hold, pay AMT or do disqualifying disposition (taxed as income)?
Replies: 5
Views: 385

Re: ISO options: exercise, hold, pay AMT or do disqualifying disposition (taxed as income)?

Jello_nailer - when you say you're selling if the value falls, do you mean if the value falls below the "market value" when you exercised? ie, say the strike is 0.01, and FMV at exercise is $20, but the stock drops to $15, you'll sell your exercised options (disqualifying disposition) so you're payi...
by kxl19
Sat Feb 01, 2020 3:02 pm
Forum: Personal Investments
Topic: ISO options: exercise, hold, pay AMT or do disqualifying disposition (taxed as income)?
Replies: 5
Views: 385

ISO options: exercise, hold, pay AMT or do disqualifying disposition (taxed as income)?

Looking for advice on this question. We're MFJ, top Federal bracket. I have ISOs that are deep in the money, exercising monthly as they vest to hold and get LTCG, mainly because of difference of LTCG bracket (20% + NIIT) vs income (37% + NIIT). Options were granted > 2 years ago, so I just need to h...
by kxl19
Mon Jan 27, 2020 9:57 pm
Forum: Personal Investments
Topic: Should I bother with tax exempt bond
Replies: 22
Views: 2423

Re: Should I bother with tax exempt bond

Why do most folks around here consider the actively managed VWIUX (Intermediate-Term Tax-Exempt, 0.09% ER) instead of the cheaper indexed cousin VTEB (Tax-Exempt Bond Index Fund ETF, 0.08% ER)? VTEB is cheaper and passively rather than actively managed. I previously also looked into this - I went w...
by kxl19
Mon Dec 30, 2019 9:37 pm
Forum: Investing - Theory, News & General
Topic: Individual munis at original issue, 3-4% coupon, but 1.x% yield?
Replies: 4
Views: 406

Re: Individual munis at original issue, 3-4% coupon, but 1.x% yield?

Naive buyers like the higher coupon. Looks like you're smart enough to look past that. As an alternative to buying individual MN munis, give some thought to buying SMTFX. I had looked at the Sit MN fund, but after the really high expense ratios (0.8%), I recall I was better off with VWIUX (VG natio...
by kxl19
Mon Dec 30, 2019 8:41 pm
Forum: Investing - Theory, News & General
Topic: Individual munis at original issue, 3-4% coupon, but 1.x% yield?
Replies: 4
Views: 406

Individual munis at original issue, 3-4% coupon, but 1.x% yield?

Hi all - I've been reading an earlier thread https://www.bogleheads.org/forum/viewtopic.php?f=1&t=298483 about buying individual munis at issue, with a 3-4% coupon. Background - we're in a high fed and state tax bracket, using treasuries/diversified muni (VWIUX) as our bond holdings. Looking to grow...
by kxl19
Sat Nov 09, 2019 11:38 pm
Forum: Personal Investments
Topic: Muni guidance for $15m portfolio
Replies: 11
Views: 3204

Re: Muni guidance for $15m portfolio

I would not use an intermediate-term Treasury fund at the highest fed and CA marginal tax rates and current yields. Vanguard Intermediate-Term Treasury Index Fund Admiral Shares (VSIGX) has a TEY for OP (at assumed marginal tax rates stated in my last reply) of only 2.02% (SEC yield = 1.57%) with a...
by kxl19
Sat Nov 09, 2019 8:33 pm
Forum: Personal Investments
Topic: Muni guidance for $15m portfolio
Replies: 11
Views: 3204

Re: Muni guidance for $15m portfolio

With that income, I'm guessing you're in the top fed and state tax brackets. If you want to hold bonds in taxable, it seems like a mix of treasuries and muni would be a good option, treasuries for the state tax exemption and muni for fed tax exemption. I did some analysis on this topic before - for ...
by kxl19
Fri Nov 01, 2019 11:25 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2246
Views: 385696

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

E*Trade has a new (as far as I know) deposit bonus offer. If not, consider this a bump. https://us.etrade.com/what-we-offer/how-it-works/brokerage $100 -- $5,000–$24,999 $200 -- $25,000–$99,999 $300 -- $100,000–$249,999 $600 -- $250,000–$499,999 $1,200 -- $500,000–$999,999 $2,500 -- $1,000,000+ FYI...
by kxl19
Mon Oct 28, 2019 10:31 pm
Forum: Personal Investments
Topic: How to handle 5M capital gain (post-IPO)
Replies: 130
Views: 15877

Re: How to handle 5M capital gain (post-IPO)

The other way to avoid capital gains is to check if the business was a "qualified small business", and if you've held the shares for more than 5 years, it's 0% federal capital gains. Look up Section 1202 exclusion, the Qualified Small Business (if I remember correctly) is defined as a C corp company...
by kxl19
Fri Oct 25, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: Which brokerage app allows specific ID sales?
Replies: 13
Views: 1288

Re: Which brokerage app allows specific ID sales?

Thanks all for the comments so far. Fidelity - I was trying to sell a mutual fund (the 500 index) with various tax lots ,that explains why I didn't see the specID, but I do see it for ETF now. Vanguard - not sure why I never noticed the specific lots option (this is for VG mutual fund), but I see it...
by kxl19
Thu Oct 24, 2019 12:06 pm
Forum: Investing - Theory, News & General
Topic: Which brokerage app allows specific ID sales?
Replies: 13
Views: 1288

Which brokerage app allows specific ID sales?

Hi all - I've been looking for a brokerage that allows specific ID sales of individual tax lots through their app. I've had experience with Vanguard and Fidelity, while you can do SPecID on the website, you can't do it in their app.

Are there any brokerages whose app allows for this?
by kxl19
Wed Oct 16, 2019 10:38 pm
Forum: Personal Investments
Topic: How to handle 5M capital gain (post-IPO)
Replies: 130
Views: 15877

Re: How to handle 5M capital gain (post-IPO)

I would definitely find out if any of your shares are qualified small business stock when you acquired them, as the fed cap gains is 0% if it was held more than 5 years from issue, and depending on your state, if it followed federal section 1202 exclusion, it could be 0% state too. I successfully us...