Thanks for the tip. I will definitely need to do the math for this.I agree that selling these individual stocks is a good idea, but if one wants to be in the 0% long-term capital gains tax rate bracket, then one still needs to double check that any realized gains do not bump one's income up out of the 0% LTCG rate. I use tax-prep software to help me with that, but it is also not hard to figure this out without tax-prep software....
Since you're in the 12% tax bracket and the capital gains are all long-term, you will not pay any tax by selling these positions.
I recommend selling all of these stocks and purchasing a low cost total stock market index fund. See this wiki on Schwab for appropriate choices. https://www.bogleheads.org/wiki/Charles_Schwab I would recommend investing in ITOT and/or IXUS.
ITOT and IXUS are fine ETFs, but there are similar ones like VTI and VXUS plus others. I have used both VTI and ITOT in my Schwab accounts.
Statistics: Posted by Penguino — Tue Sep 16, 2025 12:14 pm — Replies 9 — Views 535