Real ChatGPT answer · index seedkMT9B52FdyQcompleteFinance and banking · retirement accountsinformational
How do I calculate the net unrealized appreciation on employer stock held inside my 401k to determine if a lump-sum distribution makes sense tax-wise?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do I calculate the net unrealized appreciation on employer stock held inside my 401k to determine if a lump-sum distribution makes sense tax-wise?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
IRS net unrealized appreciation employer securities lump sum distribution 401(k) tax rules publication 575 2025 Google ↗
IRS Topic net unrealized appreciation employer stock qualified lump sum distribution tax treatment Google ↗
- Publication 575 · irs.gov
- IRC Section 402 · uscode.house.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS net unrealized appreciation employer securities lump sum distribution 401(k) tax rules publication 575 2025 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS Topic net unrealized appreciation employer stock qualified lump sum distribution tax treatment OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |