Strategy report template

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Personalized capital-gains estimate

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The displayed metrics use the profile saved in this report. Editing controls saves personalized assumptions in the page URL and prepares them for download; it does not recalculate or change the report's default results.

Cash-flow controls are unavailable: catalog reports lack validated distribution history and cannot recalculate exact monthly contribution or withdrawal schedules in the browser. The downloadable estimate therefore excludes investor cash flows.

Method and calculation rules

• FIFO: sells the oldest remaining shares first.
• Smart Tax Lots: our product label for an inferred implementation of Allocate Smartly's documented Mixed rule—not an Allocate Smartly method name. The sourced rule prefers the oldest lot only when it is profitable and held more than one year; otherwise it sells the newest lot. For a sale spanning lots, our implementation inference repeats that test after each lot.
• Opening lots receive basis equal to market value at the effective start. Taxes settle at calendar year-end and the final effective month. The headline tax-adjusted CAGR is ongoing and excludes optional terminal liquidation.

Limitations

Estimate only; not tax advice. Rates and account treatment are user assumptions. The model does not infer filing status, bracket, jurisdiction, security classification, or suitability.