稅務智能型策略
隨着市場波動增加和前瞻性回報預期下調,您需要通過更有效、更聰明的財富管理方式來幫助自己實現財務目標,這一點已經變得越來越重要。我們的稅務智能型策略有望幫助您實現更高的稅後回報,同時我們會量身定制專屬於您的投資組合。
看到自己持有的股票貶值肯定不是件易事,但市場低迷也有好處。這被稱為「投資虧損節稅」,可以讓股票虧損為您帶來好處。
最簡單地說,投資虧損節稅是一種策略,旨在幫助減少您的整體納稅義務,這樣您就可以保留更多的收入。其原理是從虧本出售的投資中提取稅收優惠額度,這些稅收優惠額度可用於抵扣投資組合中其他地方變現的資本利得。如果得到有效應用,投資虧損節稅可能會提高稅後回報。
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It's not what you earn, but what you keep after taxes that matters. Personalized tax management is more important than ever and can make a significant impact on how much of your returns you actually keep, helping you protect and grow your investments for the future. One way to keep more of what you earn is a strategy called tax loss harvesting. In a nutshell, this strategy consists of: 1: Selling you're losing stocks. 2: Using those losses to offset capital gains in other parts of your portfolio. While, 3: Simultaneously reinvesting the proceeds in a similar stock to keep your portfolio in line with your objectives. This strategy could ultimately reduce your overall tax liability while maintaining your desired exposure in your portfolio and the potential for upside.
Here's a hypothetical example of how tax loss harvesting works. Let's say in March of 2020, you had $100,000 invested in stock A. Over the course of the month, the price fell by 40%. The new value of your position in stock A in April 2020 is now $60,000. To realize this loss for tax purposes, you could sell the losing investment in stock A at $60,000 and recognize a short-term tax loss of $40,000 generating potential tax savings of up to $16,320. At the same time, you want to continue to keep your portfolio in line with your objectives. So you reinvest the proceeds from your sale into an investment with similar characteristics, i.e. stock B. To retain your original exposures, you can now hold $60,000 of stock B, have locked in $16,320 of potential tax savings on your tax bill for the year, and can still benefit from this market sector's potential recovery from its lows.
When used efficiently throughout the year and throughout market cycles, tax loss harvesting can potentially help you achieve greater after-tax returns so you can keep more of what you earn. To learn more about how tax loss harvesting and our new tax smart solutions can help brighten your after-tax outlook, connect with your J.P. Morgan team.
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Narrator:
It's not what you earn, but what you keep after taxes that matters. Personalized tax management is more important than ever and can make a significant impact on how much of your returns you actually keep, helping you protect and grow your investments for the future. One way to keep more of what you earn is a strategy called tax loss harvesting.
On screen:
Graphic images show marbles (representing tax losses) contained in circular shallow pits.
Narrator:
In a nutshell, this strategy consists of: 1: Selling you're losing stocks. 2: Using those losses to offset capital gains in other parts of your portfolio. While, 3: Simultaneously reinvesting the proceeds in a similar stock to keep your portfolio in line with your objectives. This strategy could ultimately reduce your overall tax liability while maintaining your desired exposure in your portfolio and the potential for upside.
On screen:
Graphic images show groups of marbles (representing tax losses) contained in different circular pits.
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How It Works…
Narrator:
Here's a hypothetical example of how tax loss harvesting works. Let's say in March of 2020, you had $100,000 invested in stock A. Over the course of the month, the price fell by 40%. The new value of your position in stock A in April 2020 is now $60,000. To realize this loss for tax purposes, you could sell the losing investment in stock A at $60,000 and recognize a short-term tax loss of $40,000 generating potential tax savings of up to $16,320. At the same time, you want to continue to keep your portfolio in line with your objectives. So you reinvest the proceeds from your sale into an investment with similar characteristics, i.e. stock B. To retain your original exposures, you can now hold $60,000 of stock B, have locked in $16,320 of potential tax savings on your tax bill for the year, and can still benefit from this market sector's potential recovery from its lows.
On screen:
Graphic images show circles containing rectangular bars (representing tax savings).
Narrator:
When used efficiently throughout the year and throughout market cycles, tax loss harvesting can potentially help you achieve greater after-tax returns so you can keep more of what you earn. To learn more about how tax loss harvesting and our new tax smart solutions can help brighten your after-tax outlook, connect with your J.P. Morgan team.
On screen:
Graphic images illustrate possible after-tax returns ranging between plus 10% to plus 17%.
Text on screen:
To learn more about Tax Loss Harvesting, connect with your J.P. Morgan Team.
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Legal disclosures appear.
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為甚麼選擇摩根大通私人銀行的稅務智能型策略?
我們的稅務智能方法結合了我們的經驗與尖端技術,能為您提供一個經濟高效的個人化策略,優化您的稅後回報。
我們的投資專長
7,000+
億美元
全權委託賬戶資產管理規模
400+
策略
為您精心打造(跨共同基金、獨立賬戶和單一/多元資產策略)
最佳
私人銀行
榮獲《環球金融》雜誌評選為2020年、2021年、2022年「全球最佳私人銀行」。
TAXES
How do tax-smart strategies actually work?
Using a tax-smart strategy can help investors keep more of what they earn. Now may be an opportune time to consider adding one to your portfolio.
September 25, 2022
PORTFOLIO MANAGEMENT
How can today's market volatility be turned into tax benefits?
Tax loss harvesting can help enhance investors' after-tax returnsJune 22, 2022
常見問題解答
甚麼是投資虧損節稅?
簡而言之,投資虧損節稅是及時虧本出售證券,以抵扣投資組合中其他地方已變現的投資收益。這讓您有機會減少稅負,留住更多的投資回報。
我的投資組合有哪些個人化方案?
我們提供多種方式,以根據您的個人偏好定制您的投資組合。我們有超過40個篩選條件供您集中篩選股票/行業持倉或價值。
最低投資額是多少?
最低投資額將取決於您選擇的策略。例如,我們有最低投資額為250,000美元的策略,您可以個人化方式配置自己的標普500指數持倉。
如果我有升值的持倉呢?
對於希望通過證券為其投資組合提供資金的投資者,我們提供靈活的過渡方案,可根據其個人稅收預算偏好進行定制。我們將與您緊密合作,設計出符合您財富目標和偏好的投資組合,同時提高您的潛在稅後回報。您也可以將現有持倉轉換成一種顧及自己獨特稅收預算偏好的節稅方式。
How will I know how my portfolio is performing?
Our robust performance reporting quantifies your tax benefit relative to the benchmark, helping you to easily understand the value-add of our active tax management.
投資虧損節稅策略的潛在風險是甚麼?
追蹤誤差是投資虧損節稅策略的潛在風險之一。追蹤誤差反映您的賬戶與目標投資組合的一致程度。我們有一個穩健的風險管理框架,以確保在策略尋找虧損節稅機會時,將追蹤誤差最小化。
考慮投資虧損節稅策略的投資者應該全面地審視其投資組合,以確保自己沒有偏離整體投資目標。