Buy VTI by May 14, 2035.

So, long story short... I have some concentrated positions with massive capital gains that I'm working on drawing down and diversifying. My current practice is when I sell, I take 35% of the realized gain and immediately park it in SGOV for estimated quarterly taxes, while taking the rest and immediately buying VTI. (35% chosen for 20% LTCG + 3.8% NIIT + 9.3-10.3 CA tax.) VTI is planned to be long-term buy and hold until retirement (best-case, 9 years away). …