I still disagree with how you are stating it. And you may also be assuming there is a large amount invested and/or large gains.
For example, year 1 the OP invests $10,000 in brokerage and buys Stock A. Year 2, sells Stock A for a $900 gain and buys Stock B. No "annual taxes" due. Year 3, sells Stock B for a $800 gain and buys Stock C. Again, no "annual taxes" due. Year 4, sells Stock C for a $1000 gain and puts it into the 'cash' fund. Again, no "annual taxes" due. Year 5, withdrawn from 'cash' account. No taxes for withdrawing it.
