Story perspectives

Investors Navigate Year-End Tax Planning Amid Rising Income

12/16/2025

Summary

Story summary

Investors face year-end tax planning challenges as surprise portfolio income rises, prompting tax gain harvesting to qualify for the 0% capital gains bracket.
For 2025, single filers must keep taxable income below $48,350 and married couples below $96,700.
Investors should account for year-end income from exchange-traded funds (ETFs) and mutual funds, as capital gains payouts are expected.
Investors must understand the difference between qualified and nonqualified dividends for tax planning.

1 of 1

Story summary

Investors face year-end tax planning challenges as surprise portfolio income rises, prompting tax gain harvesting to qualify for the 0% capital gains bracket.
For 2025, single filers must keep taxable income below $48,350 and married couples below $96,700.
Investors should account for year-end income from exchange-traded funds (ETFs) and mutual funds, as capital gains payouts are expected.
Investors must understand the difference between qualified and nonqualified dividends for tax planning.