i dont think the long-term capital gain rate is 3% for most ppl. it's 15%.
" Capital gain income from assets held one year or less is taxed at the ordinary income tax rates in effect for the year, ranging from 10% to 35%. Tax Rate on Long-Term Capital Gains Capital gain income from assets held longer than one year are generally taxed at a special long-term capital gains rate. The rate that applies depends on which ordinary income tax bracket you fall under.
Zero percent rate if your total income (including capital gain income) places you in the ten or fifteen percent tax brackets. 15% rate if your total income (including capital gain income) places you in the twenty-five percent tax bracket or higher. "
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