보유 1년 채워서 세금 혜택 받는 게 맞을까요? 🤔

Well how long do you need to hold and how big is the tax difference. Pretty important info. For all we know you need to hold 1 day or 11 months

well sell half then

Tax implications should never be a primary reason to hold a position.

How would you feel if your holdings declined 20% or more in the short-term while you wait for the year mark? Not a prediction by any means, but perfectly normal and expected behavior in bull markets.

A good compromise is to sell part of your position to seal some profits and hold the rest for the longer term. But you cannot abandon risk management on that position either. While everything is firing on all cylinders right now and it feels like the market will never stop going up, a pullback or large correction would not be unexpected given how far and how fast we have come. You need to ask yourself if you can weather that volatility or if you'll kick yourself for not taking profits when you wanted to.

Generally speaking never hold for tax purposes, though there are exceptions.

yes

The tax implications are **always** worth thinking about.

But think about it this way... Let's assume you're single, and you're in the 24% marginal tax bracket (basically between $100-200K of AGI). Short term gains will be taxed 24%. Long term taxed 15%.

So let's say you own 100 shares of AMD. We'll say you bought at the April 1 close of 210.21. Today the stock sits at 493.92. So you have $28,371 in capital gains.

If you sell right now, you pay $6,809 in CGT. If you wait until Apr 2, 2027 **and the stock hasn't moved**, you pay 4,255 in CGT. The difference between these two numbers is $2554. That's the amount that you're risking to "gain" (i.e. not pay in taxes) by waiting until Apr 2, 2027.

But the stock is volatile. Let's say the stock drops 10% next month. So instead of 493.21, it's at 443.89. With your 100 shares, you've just lost $4,932, or nearly double the value of what you stood to gain by waiting to sell. Oh, and if you sell in a month, you're still short term. By losing almost 5 grand, you've "saved" $1,184 in taxes, but the value of what you've lost even accounting for reducing tax paid is still greater than $2554.

So as with anything, you need to think about the timing. If you bought that AMD stock in June 2025, and you're within a month from those gains going LT, and you think the stock won't move THAT much in the next month? Maybe hang on to it. If you bought that AMD stock in Apr 2026 and your thesis on the stock is that it's more likely to fall than gain by next spring? Sell it and take the tax hit.

But don't ride a stock into the ground to avoid paying short term capital gains. If you think the stock is going to drop significantly, you'll lose more in share price drop than you'll "gain" in tax savings.

Do you actually know what your tax obligation will be? How big is your position? How much taxable gains is on the table here? Millions or thousands? How ill the gains affect your AGI?

Redditors always going on about taxes, but they usually have zero clue how it works.

Your $5000 gain is not going to impact your overall tax burden in any meaningful way, no matter if it is short or long term.

Just sell it