I am currently invested in several individual stocks (Apple, Consolidated Edison, Ford, Procter & Gamble, and Visa) totaling $90,000 as of this posting, with Apple accounting for 74%. I've held these stocks for over a year.

I want to sell all of these holdings and purchase FSKAX, as I'm not comfortable being invested in individual stocks and want to reduce my risk by buying into the total market. My question is around capital gains tax from this sale. I saw that the long-term capital gains tax rate is 0% if your taxable income is less than $78,750 (found here: https://www.irs.gov/taxtopics/tc409). I make $85K in taxable income as of March of 2020, but when I filed 2019 taxes in February, my taxable income was below $78,750. Will I be taxed at 15% rate according to my current income, or at 0% according to my income at my last tax filing?

|Company|Symbol|Price|Change|Change%|Analytics| |:--|:--|:--|:--|:--|:--| |Vanguard S&P 500 ETF|VOO|224.19|+0.79|0.35| HOVER: More Info |Apple Inc.|AAPL|155.17|+1.99|1.30| HOVER: More Info |Visa Inc.|V|96.01|+0.61|0.64| HOVER: More Info |Microsoft Corporation|MSFT|71.51|+1.41|2.02| HOVER: More Info |Amazon.com, Inc.|AMZN|1,006.76|+10.81|1.09| HOVER: More Info |Alphabet Inc.|GOOGL|995.37|+7.08|0.72| HOVER: More Info |Johnson & Johnson Common Stock|JNJ|129.49|+0.71|0.55| HOVER: More Info |Procter & Gamble Company (The)|PG|88.16|+0.03|0.03| HOVER: More Info

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