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Introduction
Minimizing tax drag on your investments can significantly enhance overall returns. Whether you’re dealing with capital gains, dividends, or interest income, employing tax-efficient strategies ensures more of your hard-earned returns stay in your pocket.
Core Tax Strategies
Tax-Loss Harvesting
Offset capital gains by strategically selling underperforming assets.Asset Location
Allocate investments (bonds, dividends) into tax-advantaged accounts such as IRAs or 401(k)s.Timing of Sales
Holding assets for over a year can qualify you for lower long-term capital gains rates.
Noteworthy Statistics
A 2020 study by Cerulli Associates revealed that tax optimization can improve net returns by an average of 1–2% annually, depending on portfolio composition1.
How Surmount Wealth Does It Better
Surmount Wealth’s algorithm monitors tax implications in real-time. By automatically identifying harvesting opportunities and recommending optimal asset locations, we ensure your portfolio remains tax-smart year-round—without complicated spreadsheets.
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