Hypothetical: let's say I take 100,000 today after my taxes and invest it in a brokerage account for 30 years (I'm 25). If we assume 7% interest rate it comes out to be 750k. If I draw below the 80K threshold for capital gains each year (married filing jointly) then that whole thing is tax free right? Am I missing something? I know we need to assume taxes stay the same/similar, and I can live off of 70K at 55. But anything else?

Posting as :
works at
You are currently posting as works at

What? If this is a personal account and not some sort of IRA then you owe taxes on all the gains. Idk what you’re talking about for the 80k threshold.


Capital gains taxes start after 80k of “income” for married. Assuming no other income source, the first 80k is not taxable. 15% gains tax applies after that threshold. This threshold is the reason many people choose not to lock their money up in retirement account.


OP - yes, you are correct. There are plenty of “ifs” on this, though. Social security would count towards it, as would dividends, and RMDs. RMDs are unavoidable. I talked through this with my parents, and my mom has an 80k pension, so that alone screw this up. Flip side is that she doesn’t really need to draw anything down, so everything in Roth becomes inheritance, essentially.

Post Photo

Please always take everything I say with many grains of salt.

What do you mean post tax? What 80k threshold are you referring to ? Very confused by the statements in this question.

Post tax meaning after my withholding. Not investing like a 401(k). Right now the rate for LT capital gains for a married couple filing jointly is 80k. Meaning if you make less than 80K - your LT capital gains rate is 0%.

Yes up to 80k for married. But you're betting heavily that will be there in a few decades. Who knows if the tax code with change by then?

What else did you crystal ball say about the future? Please do share


What about your SO’s income considerations?

The point would be we both stop working at 55 and retire early. And then at 65-70 we start drawing from our actual retirement accounts

While OP I think you’re correct on zero cap gain taxes in this situation, keep in mind that 70k withdrawal on 750k assets is nearly a 10% withdrawal rate, which is not sustainable if you start at 55 and assuming you have no other assets. A safe withdrawal rate is closer to 4 or 5%

I'm assuming that over that 30-35 years I'll contribute normally to my real retirement accounts and start withdrawing at 65, when required, or when the 750k runs out which would be 10 years about.


Additional Posts

Do you pretty much have to get hired from a referral at the agencies here, or do you just have to get lucky and find a job posting? I know I’m good enough to get a job, but I have no idea where to find one.


Any insight to PwC tuition reimbursement?


Anyone hiring for analytics roles?


I am currently in a very comfortable project that pays for my overtime - however I’ve been here for 6 months and I don’t feel I’m learning anymore. I need to make a decision asap whether I


How long does it take to transfer the CSR points to UA miles? Anyone have any experience?


People who had "niche" and "hard to sell" projects such as risk or Oracle How did you manage to find an exit opportunity and pass it off in your resume? Did it become a major hindrance?


How much are you saving each month? I'm making 80k annual, maxing out Roth IRA and doing a 17% Trad 401k deduction, and paying $1.5k in monthly rent. Wondering how much I should save/spend after that.


Can anyone recommend a certificate or course that is actually useful for developing professionals and/or reviewing performance? I don’t want/need something that is just a credential, I’m actually looking to get some formal grounding in these two topics so I can overhaul processes at my consulting firm. Thanks for your advice!!!


Considering an MD position at Accenture and need to give comp expectation, its on Strategy side. Of course its based on my own need and desire, but like to hear from (ex)MDs at Accenture if 400k sounds like a reasonable ask for base. And can anyone help me understand the difference between L4 and L3? For reference, I am a Senior Principal with almost 2 years executive industry experience post consulting. Thanks for any insights!


What classroom management tips do you have for a nontraditional 3rd year teacher? I teach middle schoolers science. Looking for new techniques that will help me make year 4 a lot better than the previous years.


Hi 🐠 Fam: Accenture compensation and promotion results will be available this Wednesday. Apologies in advance for hijacking the traffic. Some of us may need your moral support or referral. Cheers! 🥂


FRM 🐠, what is the best study materials for the exam?


Does Avis have rewards tiers or is it just the useless points?


TFW a teammate asks you a completely loaded, unplanned question during an important client demo.

Post Photo

Recruiter I was talking to left the agency and I haven't been able to get ahold of anyone else at HR. Final interviews went well, received a verbal offer before they left. How long until the process gets back on track or is it a lost cause?


I appreciate everyone's advice in this bowl, it's been interesting to hear everyone's stories. I have a question of my own. My company offers a 401k (with match at 5%), Roth 401k, after tax 401k and HSA. I also have an IRA. What order and how much do you recommend I make the contributions? Thanks in advanced.


If Accenture doesn’t extend an offer after a confirming interview do they set up a call or send a generic email?


Hi everyone! Excited to be posting for the first time here! I just got my first job offer in Washington DC as a social media content producer. It’s entry level and I’m fresh out of school (just graduated last month!) Any tips for negotiating salary and benefits? How can I tell if I’m being low balled? Does anyone know a number I should ask for this position? Thanks so much for the help!


Looking for IRA platform suggestions Charles Vs fidelity vs vanguard. I have to transfer 150k 401k amount from previous employer to IRA. Which one is better and why?


Is it me or does EY's health insurance sucks big time? Is this the case with other firms too? Did a simple abdominal ultrasound- 500$ out of pocket!!


New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here


Embed this post

Copy and paste embed code on your site


Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.