Question:
So I know that you can withdraw up to the beginning of the 22% tax bracket without having to pay capital gains of ny kind. This rule essentially makes the taxable account act like a Roth without a contribution limit, but a withdrawal limit.
When you sell shares of an index fund or withdraw dividend gains from the taxable account does this count as income?
Or can I make $39,000 and withdraw as much as I want from a taxable account and not have to pay capital gains?
If these do count as income, then that would make these accounts very immobile. So you would only ever want to buy funds you can always stay with, such as VTSAX and VFIAX, because selling amounts over $40,000 would create taxable events.