Скачать или смотреть How Tax Loss Harvesting Works in Taxable Investment Accounts (Explainer)

If you have a taxable brokerage account, tax loss harvesting could save you thousands in taxes every year…

In this comprehensive explainer, we break down exactly how tax loss harvesting works, the critical rules you need to follow (including the wash sale rule), and how to implement this strategy correctly in your own portfolio.

What you'll learn:

• The fundamentals of tax loss harvesting and how it offsets capital gains
• The $3,000 annual deduction rule and how losses carry forward
• The wash sale rule explained—the 61-day window you must navigate
• Step-by-step process for executing tax loss harvests
• How the strategy applies to ETFs, stocks, and mutual funds
• Common mistakes that trigger wash sales (including dividend reinvestments)
• Advanced considerations for long-term tax planning
• Why systematic tax loss harvesting can add 0.5-1% to annual returns

This strategy only works in taxable brokerage accounts, not retirement accounts like 401(k)s or IRAs. When executed properly throughout the year, tax loss harvesting becomes one of the most effective tools for keeping more of your investment returns.

Whether you're managing your own portfolio or working with an advisor, understanding these rules can significantly reduce your lifetime tax bill.

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