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Tax Loss Harvesting
Investors often look to tax-loss harvest at year-end. Note that over the last 71 years, market returns suggest November and December are the two of three best-performing months of the year, making them the least attractive months to look for loss harvesting opportunities.
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Tax Rate Changes
The Tax Cut and Jobs Act (TCJA) effective in 2018 did not change the tax rates for long-term capital gains and qualified dividends. These rates were not lowered. Investing strategies that are tax-smart around capital gains and dividends can make material differences in after-tax outcomes.
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Capital Gains
Significant capital gain distributions happen in up or down markets. Notice how the average capital gain distribution is never 0%.
