If you're looking to lock in some of those gains (aka tax gain harvesting), selling some of your losers can help minimize your capital gains taxes. ... A hypothetical investor who realized $10,000 in short-term capital gains and $15,000 in capital losses could use tax-loss harvesting to reduce their tax bill—this year and in future years. Source: Schwab Center for Financial Research. Assumes a 32% combined federal/state marginal income tax bracket, with short-term capital gains taxed at ordinary income tax rates.

July 1, 2024 - Selling an investment at a loss may be easier to accept when you know the loss can be used to offset capital gains and may reduce your tax bill. “But don’t sell an investment solely for tax reasons,” McGregor says.

November 6, 2025 - Selling a losing position early, while there is still market interest or when you don't need liquidity as much, can help avoid more significant losses, especially in volatile or declining markets.

Tax-loss harvesting is complex, and it's important to consult with your financial advisor or tax professional to make sure you're maximizing its benefits and adhering to any applicable IRS rules. Tax-loss harvesting is when you sell investments at a loss and use those losses to offset gains in other investments.

“Tax-loss harvesting allows anyone to make the best of a bad situation.” · Sometimes, it’s best not to sell at all. Energy stocks, for example, scuffled from 2014 to 2020, especially toward the end of that period as the coronavirus pandemic crimped the global economy.

October 23, 2024 - But if you're determined to keep some shares, sell the ones with highest losses first. ... jseagull wrote: Tue Oct 22, 2024 8:58 pm 1. I want to maintain a position in Total Bond Fund. 2. I don't want an excess amount of losses to carryover. 1. Livesoft and your desire do not conflict based on your statement alluding to some shares of TBM are not at a loss.

3 weeks ago - One option you have is to sell losing positions elsewhere in your portfolio to carve out a little room to rebalance. If you manage to find $5,000 in losses, for instance, you could sell just enough of that appreciated Nvidia position to realize $5,000 in gains, netting you out at zero. And what works for single stocks works just as well for exchange-traded funds (ETFs) or

November 26, 2024 - Rapid Gains: If a stock’s price ... a potential price correction. A common rule of thumb is to cut losses at around 10% below your purchase price....

September 23, 2025 - When the going gets tough in the stock market, it can be tempting to just sell and walk away. It’s difficult to watch your investments decline week after week, and getting out — even at a loss — may make you feel better, if only so that you don’t keep watching your nest egg shrink.

1 month ago - If your employer awards stock or stock-like bonuses, selling for a tax loss in anticipation of new stock awards being announced can be a good strategy to ensure your stock-based bonuses don’t accumulate more than you intend. That could tip the balance of your portfolio to a heavier concentration in your company stock. Finally, take a look at how the cost basis on your investments is calculated.

3 weeks ago - For investors filing their taxes in Canada, the last day for tax-loss selling in 2025 is December 30. Transactions for stocks purchased or sold after this date will be settled in 2025, so any capital gains or losses will apply to the 2025 tax year.

November 1, 2025 - Under the wash sale rule, your ... if you sell stock or other securities at a loss and then buy substantially identical stock or securities within 30 days before or 30 days after the sale. ... The One Big Beautiful Bill that passed includes permanently extending tax cuts from the Tax Cuts and ...

November 3, 2024 - What, 1%? So if there is a gain on those reinvestments, you will pay taxes on those at short term capital gains rate/ordinary income tax rates. No big deal. You still get long term capital gains treatment on the other 99%. And who cares anyway if you've got a huge loss? Long term losses and short term losses are mostly the same anyway as far as how you're going to use them in the future. You don't want this stock. You'll owe no taxes for selling it and investing the money into something you want and you'll have a big tax loss you can use later for whatever.

November 21, 2025 - The Takeaway: End-of-the-year obligations might be piling up on your plate, but making time for tax-loss harvesting and portfolio rebalancing could pay off when tax season begins. You could help your future self from an investment and/or tax perspective, according to Arnott. The portfolio strategist says rebalancing would bring your portfolio back in line with the risk you want to take, so you’re better off if there’s a larger market downturn. After figuring out what to sell in your portfolio, be careful to avoid breaking

One year later, the stock starts dropping, so you sell your 100 shares for $8 per share—a $200 loss. Three weeks later, XYZ is trading at $6 per share, and you decide that price is too good to pass up, so you ...

November 18, 2025 - Advisors are locking in losses to offset the big realized gains from earlier in the year, especially back in April when clients trimmed their winners and booked profits. We know from trading partners across the Street that most of the sell orders for stocks with year-to-date losses are coming in as market orders, which we interpret as tax loss sellers just looking to get out – if only for 31 days as the IRS dictates.

November 1, 2023 - At the other end of the spectrum (and understandably not as joyous to think about as the holidays), year-end also represents a very important time for tax planning. Among many investors, two of the biggest challenges related to tax are minimizing taxable gains and finding ways to effectively manage losses. It’s here where the technique of tax-loss selling ...

December 4, 2025 - You have a capital loss if you sell the asset for less than your adjusted basis. Losses from the sale of personal-use property, such as your home or car, aren't tax deductible. To correctly arrive at your net capital gain or loss, capital gains and losses are classified as long-term or short-term.