Let's not end the discussion yet. I'm point blank asking you how much tax you paid on your 13% gain sitting on the sidelines (or at least out of BRK).
I've paid nothing in taxes because I haven't sold. I have no unrealized gains from mutual funds because I don't own any mutual funds. And I have a million shares of MHTX in my IRA plus some cash for a cushion to do a little day trading. I have 9 years left to start taking cash out of the IRA and I own 1 house outright (no mortgage) and my main "home" which I plan to do a reverse mortgage on in 12 years.