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How Tax-Loss Harvesting Boosts Your After-Tax Returns

How Tax-Loss Harvesting Boosts Your After-Tax Returns

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In Episode 83 of Wealth Building with Fexingo, Lucas and Luna explore the mechanics of tax-loss harvesting — a strategy that turns market downturns into tax advantages. They walk through a concrete example: an investor who sells a losing S&P 500 ETF position to offset gains from a winning stock sale, then reinvests in a similar but not identical fund to maintain market exposure. The hosts discuss the wash-sale rule, the importance of avoiding 'substantially identical' securities, and why this technique works best in taxable brokerage accounts. They also explain how harvested losses can offset up to $3,000 of ordinary income per year and carry forward indefinitely. Lucas shares data on how a disciplined tax-loss harvester might add 0.5 to 1.0 percentage points annually to after-tax returns over a decade. Luna asks about the role of robo-advisors versus DIY implementation, and whether the strategy makes sense in a year like 2026 with mixed market signals. The episode avoids overpromising and emphasizes that tax-loss harvesting is a deferral, not a permanent tax avoidance. Listeners will come away with a clear framework for deciding if and when to harvest losses in their own portfolios. #TaxLossHarvesting #TaxStrategy #AfterTaxReturns #PortfolioManagement #Investing #FinancePodcast #WealthBuilding #Fexingo #LucasAndLuna #WashSaleRule #TaxEfficientInvesting #S&P500 #CapitalGains #FinancialIndependence #CompoundGrowth #FexingoBusiness #BusinessPodcast #LongTermStrategy Keep every episode free: buymeacoffee.com/fexingo
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