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Selling NVIDIA shares inside a traditional IRA and leaving the proceeds in the account generally does not, by itself, make more of your Social Security benefits taxable. Taking a taxable distribution from the IRA is different: the distribution generally counts as income for the year you receive it and may increase the taxable portion of your benefits. NVIDIA’s buyback authorization does not itself pay cash to shareholders.
What NVIDIA’s $150 billion buyback authorization means for shareholders
On September 28, 2026, NVIDIA announced that its board had approved an additional $150 billion in share-repurchase authorization, bringing the remaining authorization to $235 billion. The company said it expected to execute the remaining program through fiscal 2028. NVIDIA’s announcement describes authority to repurchase shares—not $150 billion already spent or a payment of cash to each shareholder.
For an investor, the tax question turns on what happens in the account. A company buyback announcement is not itself an IRA withdrawal, and it does not determine whether a particular investor’s Social Security benefits are taxable.
Selling shares inside an IRA is not the same as withdrawing money
If you sell shares and keep the proceeds in the IRA
A sale within a traditional IRA changes the investments held in the account. If the proceeds remain there as cash or are reinvested, that transaction is distinct from taking an IRA distribution. The distinction here is specifically about assets held inside an IRA; it should not be assumed to describe a sale in a regular taxable brokerage account.
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If you take money out of a traditional IRA
Traditional IRA distributions are generally taxable in the year received, subject to exceptions and special treatment for after-tax basis. The taxable part of a distribution can therefore add to the income used in the Social Security benefit-tax calculation. IRS Publication 590-B explains the distribution rules. If you made nondeductible contributions, your distribution may not be entirely taxable; relevant basis and Form 8606 history can matter.
A distribution before age 59½ may also be subject to a 10% additional tax on its taxable portion unless an exception applies. That additional tax is separate from whether some Social Security benefits are included in taxable income.
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How an IRA distribution can affect the taxable portion of Social Security
For federal income-tax purposes, the calculation generally considers half of your Social Security benefits, other taxable income, and tax-exempt interest, then compares the total with a base amount. A taxable traditional IRA distribution can raise that combined-income measure. Whether it makes more benefits taxable—and by how much—depends on the full calculation, not just the size of the distribution.
The IRS’s 2026 Publication 915 available at the time of the cited guidance is explicitly a draft. It lists base amounts of $25,000 for single filers and $32,000 for joint filers for 2026. Treat those figures as draft tax-year guidance and check the final publication before relying on them for a 2026 return. In applicable circumstances, up to 85% of Social Security benefits may be included in taxable income. That is the share of benefits included in income—not an 85% tax rate. Ordinary federal tax rates apply to taxable income. The IRS draft Publication 915 describes the calculation.
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Benefit taxation is different from a reduction in Social Security payments
“Will selling stocks in my IRA affect my Social Security?” can mean two different things: whether your benefit payment is reduced, or whether more of your benefits are subject to income tax. These are separate rules.
The Social Security Administration says pension payments, annuities, and interest or dividends from savings and investments do not count as earnings that reduce retirement benefits. Its answer addresses the earnings test and benefit reductions; it does not determine how the IRS treats a taxable IRA distribution when calculating the taxable portion of benefits. See the SSA’s FAQ on IRA withdrawals and Social Security benefits alongside the IRS rules above.
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A hypothetical withdrawal illustrates why the result varies
One published example describes a hypothetical retiree taking $100,000 from a traditional IRA and reports $25,500 of newly taxable Social Security benefits under its assumed circumstances. That is an illustration, not a standard outcome or a tax calculation that applies to everyone. The example’s article is its source; the tax result for an individual depends on that person’s inputs and the applicable IRS calculation.
Before estimating the effect of a real distribution, identify the details that drive the calculation:
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- Whether the account is a traditional IRA and whether any distribution is taxable, including any nondeductible basis.
- Your filing status, Social Security benefit amount, and other income, including tax-exempt interest.
- The amount and timing of the distribution and the tax year involved.
- Your age and whether an exception to the additional tax on early distributions applies.
These facts can help frame the question, but they do not establish an optimal withdrawal amount or timing. This explanation concerns U.S. federal income-tax and Social Security concepts; it does not determine state tax treatment or account-specific restrictions.
Quick Recap
What to check before taking an IRA distribution
- Confirm the transaction. Determine whether you are only selling or exchanging investments within the IRA, or whether money will leave the account as a distribution.
- Check the taxable amount. Review your contribution and basis records, including Form 8606 where relevant, and consult the applicable IRS distribution rules.
- Estimate the full-year income calculation. Include your filing status, benefits, other income, and tax-exempt interest—not only the proposed withdrawal.
- Verify the rules for the tax year. If using the 2026 Publication 915 figures cited here, remember that the available publication is a draft and check the final version.
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