Selling NVIDIA shares inside a traditional IRA and leaving the proceeds in the account generally does not create an IRA distribution. Taking money out is a separate event: a taxable traditional IRA distribution usually counts as income for that year and can increase the taxable portion of your Social Security benefits. Neither action, by itself, is the same as the Social Security earnings test that can reduce benefits for some people who work before full retirement age.
NVIDIA’s September 28, 2026 announcement was a company share-repurchase authorization—not a payment to shareholders. The tax question arises from what you do in your own account, not from the announcement alone.
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What NVIDIA’s $150 billion announcement does—and does not—mean
NVIDIA said its board 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. Those figures describe the company’s authority and plans to repurchase shares; they do not mean $150 billion has already been spent or that shareholders receive a cash payment because the authorization was approved. NVIDIA’s announcement
A buyback authorization is not a dividend or an instruction to sell your shares. Whether you own NVIDIA shares in an IRA, another retirement account, or a taxable brokerage account, any personal tax consequences depend on your account and the transaction you make.
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Does selling shares inside an IRA affect Social Security taxes?
If you sell shares held in a traditional IRA and keep the cash or reinvest it inside that IRA, that trade is distinct from taking money out of the account. The tax issue covered here is an IRA distribution: money leaving the account and paid to you or otherwise treated as distributed under tax rules.
For a traditional IRA, distributions are generally taxable in the year received. The taxable amount can be affected by nondeductible contributions and other basis in the account. A sale inside the IRA is therefore not automatically the same as a taxable withdrawal. See the IRS’s Publication 590-B for distribution rules.
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This distinction is specific to the retirement-account transaction described here. Do not apply it automatically to shares in a regular taxable brokerage account, or to a transaction that tax law treats as a distribution.
How an IRA withdrawal can make more Social Security taxable
The IRS calculates the taxable portion of Social Security benefits using a measure commonly called combined income. In general, the calculation considers one-half of Social Security benefits, other income, and tax-exempt interest, then compares the result with a filing-status-specific base amount. A taxable traditional IRA withdrawal can add to the income in that calculation, potentially causing a larger portion of benefits to be included in taxable income.
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The IRS’s 2026 draft Publication 915 lists base amounts of $25,000 for single filers and $32,000 for joint filers for 2026. These figures come from a draft publication, not final 2026 instructions; verify the final publication before using them to make a tax-year-specific decision. In applicable circumstances, up to 85% of benefits may be included in taxable income. That is not an 85% tax rate: ordinary federal income-tax rates apply to the amount included in income.
The result is not that every withdrawal makes the same amount of Social Security taxable. Filing status, the size and taxable portion of the distribution, benefits, and other income all affect the calculation.
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Benefit taxation is different from the Social Security earnings test
“Will selling stocks in my IRA affect Social Security?” can mean two different things: will it reduce the benefit payment, or will it make more of the benefit subject to income tax? The income-tax calculation above addresses the second question.
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Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallThe Social Security Administration says pension payments, annuities, and interest or dividends from savings and investments do not count as earnings that lower retirement benefits. Its answer about withdrawals concerns benefit reductions; it does not determine whether a taxable IRA distribution counts in the IRS calculation for taxing benefits. See the SSA’s FAQ on IRA withdrawals and Social Security benefits.
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An illustration is not a personal tax estimate
One published hypothetical describes a retiree taking a $100,000 traditional IRA withdrawal and reports $25,500 of newly taxable Social Security benefits under its assumed circumstances. That is an illustration from the article presenting the example, not a standard result or an IRS determination. The taxable portion of benefits depends on the full calculation, and the taxable share of an IRA distribution can depend on basis.
What to check before taking money out
Before deciding on a traditional IRA distribution, gather the inputs that determine how much is taxable and how it interacts with benefits:
- Account and transaction: Confirm that the account is a traditional IRA and that money will actually leave it, rather than being moved or reinvested within the account.
- Tax basis: Review any nondeductible IRA contributions and relevant Form 8606 history; these can affect the taxable portion of a distribution.
- Income and benefits: Consider the distribution amount alongside Social Security benefits, other income, and tax-exempt interest.
- Filing status and tax year: The benefit-tax calculation uses filing-status-specific thresholds, and year-specific figures should be checked against final IRS guidance.
- Age: A distribution before age 59½ may also incur a 10% additional tax on its taxable portion, unless an exception applies.
- Other requirements: Account terms and required-distribution rules may also matter. The applicable rules do not by themselves determine an optimal withdrawal amount or timing.
The cited tax and Social Security rules concern U.S. federal treatment. They do not establish state tax consequences or determine the right decision for an individual taxpayer.
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