2026-01-30, 10:43 AM
i am a die hard Tesla. Either win or lose 
There is no way to run away from tax. Did you lose that much to get 3k every year? Whatever gain you have, it would support to subtract from the loss before they tax you. For example, loss 100k, gain 80k, then final loss is 20k, Then you can deduce 3k of that 20k every year. They should haven't tax on capital gain since the total still a loss.
I mean food, 1 day sun food is expensive in VN and only the rich can spend on it because they know it's Viet kieu favorite.
I never trust anyone so financial advisors don't work for me. I can maintain myself. In certain time, I am pretty aggressive while maintain conservative.
What you saw in the chart was total gain or loss each year, It's not the Grand Total If you add up all the gain/loss together (approximately 110% gain after 25 years) then you can figure out the Grain Total. I retired in Nov. 2024 so no longer contribution. Whatever gain/loss is continue from the principal after that. I still keep trace of gain/loss every quarter so I can make decision later of what to do. Option 2 is probably the best for anyone that has gain a lot. Everyone has different tax bracket. However, in my case I really can't run away from 36% tax since I have pension where it adds up to 401k withdraw. Unless I only take out 20k of 401k per year to keep tax under 14% I have looked and studied all methods how to lower the tax but it's really impossible. So the best option for me to convert 100k of 401k (36% tax of 100k) each year to Roth where I can continue to gain more in the future without paying tax rather than withdraw. There is no RMD for Roth so you can take out anytime you want.
NOTE: There is a 5 years rule of Roth conversion, which mean you can't use it after 5 years convert to Roth. Since I currently have 1/3 Roth in assert then I can take out that first to spend while waiting 5 years for those that I would convert every year.
As I have mention before, 401k and stocks are bonus, I really don't need it even if all are gone
Pension is enough to live plus SSA when I reach 62. Making extra money is just for fun
biodegradable ? Ummm, I would stay away from doing business with anyone unless I do by myself. No matter how the business is, you have to do the study feasibility report by yourself before to be partner with anyone. You really can't trust anything that they tell you.
There is no way to run away from tax. Did you lose that much to get 3k every year? Whatever gain you have, it would support to subtract from the loss before they tax you. For example, loss 100k, gain 80k, then final loss is 20k, Then you can deduce 3k of that 20k every year. They should haven't tax on capital gain since the total still a loss.
I mean food, 1 day sun food is expensive in VN and only the rich can spend on it because they know it's Viet kieu favorite.I never trust anyone
so financial advisors don't work for me. I can maintain myself. In certain time, I am pretty aggressive while maintain conservative. What you saw in the chart was total gain or loss each year, It's not the Grand Total
If you add up all the gain/loss together (approximately 110% gain after 25 years) then you can figure out the Grain Total. I retired in Nov. 2024 so no longer contribution. Whatever gain/loss is continue from the principal after that. I still keep trace of gain/loss every quarter so I can make decision later of what to do. Option 2 is probably the best for anyone that has gain a lot. Everyone has different tax bracket. However, in my case I really can't run away from 36% tax since I have pension where it adds up to 401k withdraw. Unless I only take out 20k of 401k per year to keep tax under 14% I have looked and studied all methods how to lower the tax but it's really impossible. So the best option for me to convert 100k of 401k (36% tax of 100k) each year to Roth where I can continue to gain more in the future without paying tax rather than withdraw. There is no RMD for Roth so you can take out anytime you want.NOTE: There is a 5 years rule of Roth conversion, which mean you can't use it after 5 years convert to Roth. Since I currently have 1/3 Roth in assert then I can take out that first to spend while waiting 5 years for those that I would convert every year.
As I have mention before, 401k and stocks are bonus, I really don't need it even if all are gone
Pension is enough to live plus SSA when I reach 62. Making extra money is just for funbiodegradable ? Ummm, I would stay away from doing business with anyone unless I do by myself. No matter how the business is, you have to do the study feasibility report by yourself before to be partner with anyone. You really can't trust anything that they tell you.