Tax lot tracking
These worksheets can be used for keeping track of lots and capital
gains. They include example data which illustrates the types of
transactions you can enter, such as partial sales of a lot, share
class conversion (for a mutual fund), and stock splits (for a stock or
ETF). You would use a separate copy of the sheet for every mutual
fund or ETF you hold.
Worksheet for a stock or ETF
Worksheet for a mutual fund
Worksheet for a mutual fund with purchase
and redemption fees
These worksheets can be used to keep track of your asset allocation
over all accounts, both taxable and retirement. They can adjust for
the different tax treatment of different accounts; for example, you
will be able to keep 100% of your Roth IRA, but if you retire in a 25%
tax bracket, the IRS will take 25% of your traditional IRA.
Complete worksheet, with documentation
Whether to switch out of a bad taxable fund
If you have a fund in your taxable account that you now realize is a
bad deal, but you would have to pay capital-gains tax to switch, here
is a worksheet which estimates the cost and break-even.
Worksheet and documentation
General disclaimer: These worksheets are not intended to provide
financial or tax advice; consult a financial or tax advisor. Any
calculations made with these worksheets which depend on future returns
and taxes are only as accurate as the assumptions made about those
returns and taxes. Past performance is no guarantee of future results.
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