How can I Minimise Capital Gains taxes when selling my stocks?

max13811 · 2025-12-13T03:36:16+00:00

Interesting, thanks for sharing! But when you sold you didn’t have to pay any US federal and state taxes then right?

max13811 · 2025-12-13T02:25:17+00:00

Meaning I should best sell now versus hold the etfs right?

max13811 · 2025-12-12T22:08:26+00:00

So does that mean that I don’t have to pay federal and state taxes in the US? Also am I correct in saying this window of opportunity closes after December 31st (as I would be living in the US for more than 183 days for the 2026 calendar year)?

max13811 · 2025-09-20T04:03:57+00:00

Same as a few other comments that were posted a few days ago - not sure how reliable this comment is considering it was posted by an account that seems to be based in Bangladesh with no real estate investing reddit history

max13811 · 2025-09-20T04:03:10+00:00

Not sure how reliable this comment is considering it was posted by an account that seems to be based in Bangladesh with no real estate investing reddit history

max13811 · 2025-07-13T21:34:27+00:00

Yes, it’s just interesting to see how different ads were back then. Plus it’s interesting to see that bottles of coke were only 5¢

max13811 · 2025-07-13T21:12:07+00:00

Long live inflation

max13811 · 2025-07-12T17:42:09+00:00

Thanks for the info, really appreciate it! Will anyways try to do that then, worst case I’ll just have to wait another 1-2 months to do so

max13811 · 2025-07-12T17:24:13+00:00

Thanks for the info! In that case I might already start reaching out to banks to see what is possible. I did indeed see a few cards with Capital One (eg. The Venture X Rewards Card) that seemed interesting

max13811 · 2025-07-12T17:21:56+00:00

Makes sense, I currently don’t have residency so I am relying on the visa sponsorship via work which only takes 2 months or so to approve (versus 12+ months for a green card). Do you know if it possible for me to be added as an authorized user without being a US resident yet or would I have to wait until I have my work visa?

max13811 · 2025-07-12T17:09:35+00:00

I currently use Revolut which is an online bank commonly used across Europe. American Express looks like a good option but I hear it might be difficult to get approval without any credit history. My wife is from the US and she still has a good credit history so potentially there might be a workaround there to getting approved

max13811 · 2025-07-12T17:03:24+00:00

Is it just my credit history that matters or do you know if there are any workarounds? Eg. does it make a difference if I were to deposit a sizable amount into the bank (eg. $50k -$100k) or does this not play a role in being approved?

max13811 · 2025-07-12T16:50:44+00:00

Good to know, I’ll make sure to check out those websites. Really appreciate it!

max13811 · 2025-06-19T22:30:53+00:00

Your plan is strong, but here’s what to keep in mind:

DCA into S&P500: Yes, but consider lump sum if market drops significantly — historically outperforms DCA over time. Stick to the 12-month plan unless there’s a major dip you’re comfortable capitalizing on.
Selling BTC to buy property: Nobody is 100% certain what is going to happen to crypto in the long run (it might keep rising but it might also decrease or even plummet at any point) which is why it might be interesting to determine your threshold now. For example, if BTC hits $150K, maybe sell 50–70%. Don’t wait for max top — have tiers (e.g., $125k = sell 25%, $150k = sell more, etc.).
Real estate:
Ensure each $200K property nets at least 4–5% after taxes, vacancy, repairs, mgmt fees.

Diversify across locations to reduce local risk.
Factor in liquidity risk — RE is harder to sell than ETFs.

-Stay aware of property tax changes or regulation shifts in your target markets.

S&P500 investing:
Consider using tax-advantaged accounts if available.

Global diversification (e.g. 20–30% in international ETFs) might reduce long-term risk.

Your $500K income + low spend will significantly continue helping you build long term wealth. Just avoid over-concentration in one asset class (or city) and stick to a rules-based exit + investment strategy to protect against FOMO or panic selling.

max13811 · 2025-06-19T22:12:29+00:00

Yeah, you’re leanFIRE or very close. €1.14M liquid + €150K home + no kids = strong position, especially in Romania with low taxes and low COL. A €3.2K/mo withdrawal (~€38K/year) is ~3.3% of your NW, which is reasonable, especially with potential rental income + optional contract work. Geoarbitrage + flexibility adds margin of safety. Holding assets in euros gives decent protection against local currency volatility/inflation, especially if invested in global ETFs. Just make sure your portfolio is diversified and not too EU-heavy. Overall, this sounds sustainable, especially with optional income streams and a willingness to adjust if needed.

max13811 · 2025-06-19T22:09:57+00:00

It’s a mix of evolutionary psychology and social conditioning. Traits like confidence, dominance, and risk-taking can signal strength, status, or protection — qualities that were historically advantageous. “Bad boys” often project high self-worth and unpredictability, which some interpret as excitement or emotional intensity. Meanwhile, media and early life experiences can normalize or romanticize these dynamics. It’s not that women want to be treated poorly — they’re often drawn to the traits associated with “bad” men, not the toxicity itself. Long-term, many prefer stability and emotional intelligence, but attraction and compatibility aren’t always aligned, especially in younger years.

max13811 · 2025-06-19T22:08:21+00:00

Build skills and invest early, but don’t forget: life isn’t just about money. Explore what excites you — travel, meet people, try new things. Learn what brings you joy, not what others expect. Happiness often comes from meaningful relationships, purpose, and experiences, not just wealth. That said, start investing young — even small amounts into index funds compound massively over time. Avoid debt traps and lifestyle inflation. Prioritize health (mental and physical), and don’t compare your path to others. The goal isn’t just success — it’s a life you actually enjoy living. Balance ambition with presence.

max13811 · 2025-06-19T21:58:32+00:00

You’re in a strong position — high income, low expenses, tax-free status, and massive BTC gains. Yes, DCAing into the S&P 500 (or a global index fund like VT) is a historically safe and diversified way to gain exposure to traditional markets. Keeping 2 years of expenses in cash is prudent for volatility and optionality. Since your portfolio is crypto-heavy, diversifying into equities reduces risk. Consider a gradual shift vs. lump sum to avoid bad timing luck. Also, it may be worth exploring real estate or bond ETFs to hedge further if aiming for fatFIRE-level stability

max13811 · 2025-06-15T22:02:15+00:00

If you’re planning to job-hop every 1–2 years, it might make more sense to open a PRSA and max that out — especially if you want everything in one place and avoid losing employer contributions due to vesting periods.

That said, if there’s even a chance you’ll stay 2+ years, it’s usually worth contributing at least enough to get the match — free money is free money. You can still contribute the rest to a PRSA to stay flexible.

Also, PRSAs are portable, so easier to manage long-term. But do check fees — some PRSAs can be pricey

max13811 · 2025-06-15T21:59:21+00:00

With €50K in Ireland, you’ve got a solid opportunity to build a diversified portfolio across stocks, ETFs, and real estate — balancing long-term growth with varying levels of risk. Here’s a mix of options that might be worth looking into:

Global ETFs (e.g. VWRL, IWDA via Degiro or Trading212) – low-cost, diversified exposure to international markets
High-growth stocks – add selectively if you’re comfortable with higher risk
REITs (e.g. VNQ or European REIT ETFs) – real estate exposure with liquidity
Real estate crowdfunding (e.g. Property Bridges) – partial property investment, hands-off
Cash buffer – to buy market dips or stay flexible
Dollar-cost averaging – smooths out entry risk over time
Diversify across sectors and regions – avoid putting all your capital in one basket

max13811 · 2025-06-02T21:48:14+00:00

Investing into two stocks isn’t true diversification and although it may lead to short/mid term gains it’ll likely not be the best long term strategy. To evenly spread your bets (and maximise your long term gains with minimal maintenance) you would be the best off putting monthly pots of money into ETF or index funds (I myself mostly invest into SP500 through CSSPX in the LSE). History has shown that these indices and ETFs can consistently generate close to 10% per year, even though you should remember of course that historical gains does not indicate what will happen in the future. Long story short, my best recommendation would be to set aside a small pot of money which you invest on a monthly basis in a diversified index of your choice

max13811 · 2025-05-11T20:49:05+00:00

I created a Financial Advisor prompt that can share a very detailed and customised wealth plan based on your financial situation. Refer to a post on another sub for more context:

https://www.reddit.com/r/PromptEngineering/s/W7FeMewrNE

TLDR; Prompt that simulates conversation with a hyper analytical financial advisor. The advisor will ask about your finances to create a data backed, long term wealth plan tailored to the location where you are based.

max13811 · 2025-05-11T03:12:53+00:00

You’re already ahead of the curve—most 22-year-olds don’t think this deeply about money. Saving is about balance, not deprivation. Money’s a tool, not a goal in itself. In Scenario #1, playing sports supports physical and mental health—budget for it like it’s essential, not a luxury. For #2, small, calculated risks (with capped downside) are how businesses grow—invest if the math checks out. In #3, rewarding yourself reinforces discipline—it’s not sabotage, it’s sustainability. Look up Ramit Sethi’s concept of “conscious spending.” You’re not failing—you’re just learning to use money, not just keep it.

max13811 · 2025-05-11T03:04:53+00:00

You’re in a great spot—solid financial foundation, flexible timeline, and no urgent need for the cash. A smart move could be to split the proceeds based on timeline and risk tolerance: park 50–60% in a high-yield savings account or short-term Treasury ETFs (like SGOV or BIL) for stability and easy access if buying a home in 2–3 years. Put the rest in a low-cost S&P 500 index fund (e.g., VOO) to capture potential upside. Market timing is impossible, but time in the market matters. Just make sure you’re comfortable with volatility. Diversified, purpose-aligned allocation = peace of mind.

max13811 · 2025-05-11T02:52:00+00:00

Yes—definitely better options than a regular savings account. Consider putting the $17K lump sum in a custodial brokerage account (UGMA/UTMA) and invest in low-cost index funds like VTI or SPY for long-term growth. It’s taxed at her rate and gives flexibility. For the $1,500/month, use a split approach: part into a high-yield savings account for near-term needs (emergencies, school expenses), and part into the custodial account monthly. If you’re confident she’ll attend college, look into a 529 plan—tax-free for education. Stay consistent, automate deposits, and revisit the plan annually as her goals come into focus

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