in a rollover ira, i purchase some spy in june 2020 and occasionally a bit more, a bit later. i have had rollover ira for a long time, not done anything with it other than watch it gradually grow over time, until now. i am retirement age (over 60yo). it used to be the fidelity version of spy for many years. i want to sell $210k of spy now (dec 2020). spy went up 17.67% in about 5 months. i have a long term cg rate of 15%, short term cg rate of 37%. will i only get zinged at...