By Gerelyn Terzo
Publication Date: 2026-10-05 09:30:00
Selling a massive Nvidia position inside your IRA sounds like it should trigger a tax bill, but one decision made afterward can quietly push tens of thousands of dollars of your Social Security into taxable territory.
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Nvidia (NASDAQ:NVDA | NVDA Price Prediction) unveiled a $150 billion boost to its share-repurchase authorization on Sept. 28. That brings the amount still authorized to $235 billion, the largest buyback boost on record. The authorization lets the company repurchase shares on its own schedule. It sends no cash to any shareholder.
A hypothetical retiree who collects Social Security and has held Nvidia for years inside a traditional IRA might consider trimming a position that has grown very large. She sells $100,000 of Nvidia inside the IRA and moves the money to cash.
The sale itself creates no tax bill and adds no income to her Social Security tax math. Taking that $100,000 out of the IRA is what can change both. If the traditional IRA holds only pretax money, withdrawals are generally taxed as ordinary income.
Selling $100,000 of Nvidia Inside the IRA Adds $0 to Taxable Income
A traditional IRA is tax-deferred, so trades inside it stay sheltered until money leaves the account. She can sell Nvidia, another stock, or a fund that has Nvidia without paying capital-gains tax on the trade. The proceeds stay in the IRA…
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