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Originally Posted by Rainger99
Last year, I think all of my capital gains came in the 4th quarter.
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Find out what day the cap gains are recorded by the mutual fund, and see if you can find the gains prior to the end of the year, and then send in the Q3/4 payment late with the estimated tax. . . Some years you get cap gains, other years you don't. . I got caught again this year with my dad's estate, and estate tax goes from 15% to 40% over 5K of any income not distributed. . . I agree it sux, but it's better in a taxable account to use ETFs, that's why they were invented. .
That's why ETFs are considered a tax advantaged strategy, as the cap gains aren't distributed at the end of the year. Not sure what benchmark your mutual fund uses, but you can find an ETF which tracks the same index, and then you only pay cap gains when you sell, as the difference between the sale and purchase price, solely.
good luck