Tax-Efficient Investing Math: After-Tax Returns, Asset Location & Loss Harvesting
After-tax returns, tax drag, account types, asset location, loss harvesting, lot selection, withdrawal order and dividends vs buybacks: 8 hands-on labs with illustrative, country-neutral rates. Educational only, not tax or investment advice.
The first lesson is free — no account needed.
About this course
A tax-efficient investing course that works through the after-tax side of one fictional investor's portfolio in a spreadsheet, with illustrative, country-neutral tax rates, for DIY investors, finance students and anyone comparing account types. You split four assets' returns into income and price growth and tax each part at its own rate, grow 50,000 for 30 years taxed every year and tax deferred and turn the gap into an annual tax drag, follow 10,000 of earnings through taxable, tax-deferred and tax-free accounts, score funds for asset location, harvest losses against gains and other income with a carry-forward, compare FIFO with highest-cost lot selection, test two withdrawal orders over ten years of retirement and compare a dividend with a buyback after tax. Illustrative rates, rules differ by country, educational only, not tax or investment advice. The first lab is free.
Lessons
- Pre-Tax vs After-Tax Return: Income vs Capital Gains RatesFree
- Tax Drag over Time: Taxed Every Year vs Tax Deferred Pro
- Taxable vs Tax-Deferred vs Tax-Free Accounts Pro
- Asset Location: Which Fund Goes in Which Account Pro
- Tax-Loss Harvesting: Offsets, Limits & Carry-Forward Pro
- Capital Gains & Lot Selection: FIFO vs Highest-Cost Lots Pro
- Withdrawal Order in Retirement: Taxable First vs Deferred First Pro
- Dividend vs Buyback: The After-Tax Comparison Pro