Tax-Loss Harvesting
Tax-loss harvesting means selling an investment that's down to lock in a loss, then using that loss to offset capital gains — and up to $3,000 of ordinary income — on your tax return. You reinvest the proceeds to stay in the market, turning a paper loss into a real tax saving.
The 'wash sale' rule blocks the deduction if you rebuy the same or a substantially identical security within 30 days, so investors swap into a similar-but-different fund. It's most useful in taxable brokerage accounts; it does nothing inside an IRA or 401(k).
Put it to work
ROI Calculator
Measure the return on any investment: total gain, total return (ROI), and the annualized return (CAGR) that lets you compare deals held for different lengths of time.
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Project an investment portfolio's growth with monthly contributions — final value, your money vs market growth, and the year-by-year path.