Plausible retirement strategy based on 0% tax bracket on long term capital gains
Hi everyone,
I've been here before, received some valuable feedback but fell short of what I was looking for (totally a "me" problem in how I ask my questions).
The proposed strategy is below and my question is fly or no-fly?
For the 2026 tax year, the 0% long-term capital gains (LTCG) rate applies to taxable income up to $49,450 for single filers. Suppose one has zero ordinary income, no job, no nothing, but one has portfolio loaded with LTCG. Could an annual sale transaction of LTCG-loaded assets, properly crafted NOT to exceed $49,450 in gains result in 0% tax?
Thank you
PS. The obvious answer of how can one live on $49,450 would be that the proceeds of the sale includes cost basis plus gains so an illustration of 100% asset appreciation would mean something north of 100k total sale proceeds.
