Don't Buy That Mutual Fund in December — the IRS Will Tax Gains You Never Earned
Buying a mutual fund before its December record date hands you IRS tax on a full year of gains you never earned — wait until after the ex-dividend date.
#tax-loss-harvesting
Tax Loss Harvesting
Implement tax loss harvesting strategies effectively
Direct Indexing for Tax-Loss Harvesting in 2026: The Loss Machine ETFs Cannot Build
US direct indexing harvests losses stock-by-stock in an SMA — wash-sale rules and tax alpha ETFs cannot match in 2026.
Section 1212 Capital Loss Carryover: The $3,000 Annual Cap, Indefinite Carryforward, and Why Character Survives Across Tax Years
A practical guide to IRS Section 1212 for individual investors: the $3,000 annual ordinary-income cap, indefinite carryforward, short-term vs. long-term character preservation, the Schedule D ordering rules, and how wash sales interact with carryovers.
Tax Loss Harvesting: The Year-Round Strategy That Can Save You Thousands in Capital Gains Taxes
Year-round tax loss harvesting can add 0.5%–1.5% in annual after-tax returns to a taxable portfolio. This guide explains the IRS netting order, the wash sale rule across taxable and IRA accounts, and a practical framework for harvesting short-term losses without losing the deduction.
NFT Taxes Demystified: A Practical Guide for Creators, Collectors, and Traders
NFTs are taxed as property under US rules. Long-term gains on collectible NFTs are capped at 28%, creator sales are ordinary self-employment income, and Form 1099-DA reporting from marketplaces begins with 2025 transactions. This guide covers the math, the forms, and the moves to make before filing.
The Wash Sale Rule: How Active Investors and Crypto Traders Walk Into a Tax Trap
A plain-English guide to IRS Section 1091 — the 61-day window, what counts as "substantially identical," the IRA trap that destroys losses permanently, the current crypto exemption, and how to report a wash sale on Form 8949.
Cryptocurrency Tax Compliance Guide: Mastering IRS Requirements with Beancount.io
Complete guide to cryptocurrency tax compliance using Beancount.io. Master IRS requirements, automate tax reporting, optimize capital gains, and ensure accurate crypto tax filing.