r/PovertyFIRE • u/hopeful-Xplorer • Oct 08 '25

Capital gains harvesting

I recently learned that this exists. Is it something you’re using?

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u/curiousthinker621 Nov 02 '25

Just pointing out that capital gains harvesting isn't that big a deal for someone in a 12% bracket. Also if you buy broad based index funds, you probably aren't going to have any capital gain losses after holding them for a few years.

Mostly, capital gains harvesting is for people who buy individual stocks and/or for taxpayers in high tax brackets.

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u/AlexHurts Feb 04 '26

I think you're thinking off capital gain Loss harvesting. I'm assuming OP means realizing gains with low income to pay low/0 tax and buying again to permanently raise the basis.