4.2 Wash-Sale Rule
The wash-sale rule prohibits investors from repurchasing a substantially identical investm

ent within 30 days of selling it for a loss. Understanding and adhering

to this rule is crucial to avoid complications.

4.3 Offset Gains Strategically
To optimize your tax strategy, consider offsetting both short-term and long-term

gains with your harvested losses. This approach can maximize your tax savings.

5. Implementing Tax-Loss Harvesting
5.1 Selecting Investments
When implementing tax-loss harvesting, carefully choose which investments t

o sell for a loss. It’s essential to maintain a diversified por

tfolio while identifying opportunities for tax savings.

5.2 Timing Matters
The timing of your tax-loss harvesting transactions can impact