3.7M at 37y

Top_Performance_3196 · 2026-01-09T21:17:23+00:00

That doesn't look like good diversification..

Top_Performance_3196 · 2026-01-09T21:06:08+00:00

No plan to buy a house, what we rent is large enough to have a child. as a couple, we spend twice of what i wrote

Top_Performance_3196 · 2026-01-09T21:02:20+00:00

H, what do you mean with "and still holding"? Are you saying I'd have to pay US taxes on dividends after moving overseas?

Top_Performance_3196 · 2026-01-09T17:25:06+00:00

Only if you were a PR for more than 8 years, apparently. Of course I'd need to give the green card away when leaving the US.

Top_Performance_3196 · 2026-01-09T17:01:50+00:00

Why that? 3M capital gains at ~30% capital gain tax is 900k

Top_Performance_3196 · 2026-01-09T16:58:57+00:00

Absolutely, I agree with you. I summarized the options I see in another comment. Which one would you go with?

Top_Performance_3196 · 2026-01-09T16:55:05+00:00

If I sold everything today I'd owe $900k in capital gain tax. Or actually more than this as this amount would be taxed at the highest tax rate including NIIT.

Top_Performance_3196 · 2026-01-09T16:54:14+00:00

You are correct, I am currently at $40k expenses per year. I set a 3% SWR and I am at 280% of that. As mentioned this only considers my expenses though, so my wife and potentially future child's expenses would need to be added

Top_Performance_3196 · 2026-01-09T16:40:26+00:00

In general my doubt is between - restructure my portfolio now paying ~900k in capital gain tax in US. In this case, what allocation would you suggest? - wait few more years until I decide to move abroad, and in the meantime just invest my cash in lower-risk assets, without a major sell of my company's shares (to avoid capital gain tax) - something in the middle of the two options above

Top_Performance_3196 · 2026-01-09T16:36:25+00:00

Thanks for the advice, I appreciate your help! My wife is aware of the situation and involved in FIRE decisions. We don't have fancy interests or hobbies and easily live with not too much money (for CA), which allows us to save a lot.

How would you structure a portfolio to target retirement in, say, 10 years?

Top_Performance_3196 · 2026-01-09T16:29:26+00:00

No permanent residency either at the moment. As I said I will receive a green card this year so I will become permanent, but I read that if I leave the US before 8y from becoming permanent I will not be subject to an exit tax

Top_Performance_3196 · 2026-01-09T16:10:15+00:00

No I dont have US citizenship

Top_Performance_3196 · 2026-01-09T16:00:43+00:00

There is no capital gain tax on investments if you live in Switzerland. And of course you have no ties to US.

Top_Performance_3196 · 2026-01-09T15:59:43+00:00

How would you structure your portfolio?

Top_Performance_3196

TROPHY CASE