Question from someone who isn’t even up to Novice level on AI: wouldn’t AI consider the capital gains impact? Or does it not even have your cost basis available to work with?
I shared the unrealized gain/loss position in total, but I did not individual lots. It’s advice was to unwind the position over a few years and spread out the taxes. Which is somewhat conflicting advice - like if A is better than B from a long term tax efficiency perspective, why not cut over ASAP.
I assume this is a limitation of AI as actual intelligence. It’s just piecing together the most likely string of words as a response without taking into nuance. I am smart enough to ask follow up questions, but there was plenty of pretty bad info presented in this experiment.
I know it technically loses money, but I paid off my $22K mortgage last week. It no longer seemed to deserve a column in my spreadsheet next to all those bigger numbers. 
After today’s big day I am up $60K (roughly 3%) in investible assets this year. Not bad considering SPY and QQQ are down about 1% YTD. Having at least 1/3 of my portfolio international likely helped, VYMI and VEU and LVHI for the win!
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April 8 2025- April 8 2026 was a pretty wild period with it starting from the liberation day TACO last year. S&P was up 36%.
I’m up closer to 40% between new money in the last year and a fairly conservative brokerage account strategy (earning a spread against over my mortgage). I am completely unprepared to have another year like that.
LVHI is my large capital gain position that AI doesn’t like due to tax inefficiencies as it is not all LT dividends. I am going to leave it for now and put new money in VXUS. LVHI is a better match to back the mortgage and since I now have that covered I shift the new money elsewhere.
Same here with my 80% Asian holdings.
SK stock prices have been absolutely wild. I was up 60% in 6 months and it then tanked to 10%. Now its back up to 40%.
I am just going to wait this one out.
Congrats, huge accomplishment!
Totally understand that the satisfaction of getting rid of it is worth more.
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