Retirement tax questions

Ignore the IRA.  Nothing happens tax-wise with an IRA unless you withdraw the money, then it is taxed at your regular income tax rate.

 

For a regular brokerage account, you have two sources of income.  (1) interest and dividends.  They will be taxed as ordinary income.   Only your broker can tell you how much was paid so far this year, and I have no idea if they will be able to estimate the additional amounts that will be paid between now and Dec 31.   (2) capital gains and losses.  If you sell individual stocks and bonds, you either have a gain or loss when you sell the stock, only your broker can tell you what your gains are so far.  If you hold mutual funds, those funds may buy and sell stocks that will create gains for the shareholders of the funds.  Those gains are usually only realized at the end of the year, so there's no good way now to estimate what they will be.

 

Most of your brokerage income will be taxed at your regular income tax rate which might be 15%, 22% or 24%.  If some of the income is capital gains, it might be taxed as income (short term gains) or as long term capital gains at 0% or 15%.