Yes, You Can Still Find Tax-Loss Harvesting Opportunities in 2024

2024/11/22

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Christine Benz

知名投资分析师和记者，专注于个人财务和投资策略。

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Christine Benz解释了税损抛售的概念，即出售亏损的证券以抵消资本收益，从而降低税负。她指出，税损抛售主要适用于拥有应税账户的投资者，而对于避税账户则不太适用。她还强调了选择合适的成本基准计算方法的重要性，并提醒投资者注意“洗售规则”，避免在出售证券后短期内回购相同或类似的证券。

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Tax-loss selling involves identifying securities in your taxable accounts that are selling below their purchase price to offset capital gains. This strategy is particularly relevant for investors with gains in their portfolios, especially in a year like 2024 where markets have been up.

Tax-loss selling is focused on taxable accounts.
Losses can offset capital gains and be carried forward indefinitely.
Losses can also offset up to $3,000 in ordinary income.

Shownotes Transcript

Christine Benz, Morningstar’s director of personal finance and retirement planning, discusses the ins and outs of tax-loss selling and where investors can look for potential opportunities to harvest losses in their portfolios.

What is Tax-Loss Selling?

Are There Limits to How Much You Can Offset Capital?

How to Evaluate Your Cost Basis to Find Loss Opportunities

What is the 30 Day Rule for Tax-Loss Selling?

Why Investors Should Think About Tax-Loss Selling When Markets Are Up

How to Make Tax-Loss Selling a Part of Your Portfolio Maintenance Strategy

Why Tax-Loss Selling is a Bear Market Strategy

**Read about topics from this episode. **

How You Could Benefit from Tax-Loss Selling This Year)

Are Active ETFs Truly More Tax-Efficient?)

Ready for a Big Capital Gains Tax Bill?)

What You Need to Know About Capital Gains Distributions)