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If you trade across multiple accounts—say, Account A for quick plays and Account B for long-term holds—you are likely sitting on a ticking tax time bomb. Most traders know the "Golden Rule" of tax-loss harvesting: if you sell at a loss, you can’t buy the same stock back immediately. But there is a "dirty little secret" in the brokerage industry. Account A doesn't talk to Account B . And if you aren't careful, that silence could cost you thousands in overpaid taxes or a pai

"Realized" Gain/Loss A realized gain (or loss) happens when you sell a security (stock, fund, etc.) and the proceeds exceed (or are less than) your cost basis. This is the figure you’ll often need for tax reporting. Also, “unrealized gains” (what your holdings would be worth if sold) are different . Make sure that you’re looking at closed positions/sales . OK, but where do I look for these things? CapitalGain.AI gets these numbers when you connect your investment accounts. H

Your Market Loss Has a Silver Lining If you lost money on a market bet, there is a silver lining that most investors completely overlook. It’s called Carryover Loss , and it is essentially a "tax-savings account" that the IRS allows you to keep for the rest of your life. But there’s a catch: nobody is going to hand it to you. Not your broker, not the IRS, and—believe it or not—it isn’t even explicitly listed on your main tax filing. What is Carryover Loss? When you sell an in

Hello, savvy investor! Ever feel like the tax code is a giant, frustrating video game you can never win? You’re not alone! But there’s one cheat code you absolutely must know: the magic of long-term capital gains . Uncle Sam has a secret, and it involves giving you a serious discount on your investment profits—but only if you play by his rules. Get ready to dive into the wonderful, whimsical, and sometimes wacky world of preferential tax rates! Short-Term vs. Long-Term: The C