CGai: Tax-Smart Investing

Your investment return isn’t the return you get to keep. Most investors focus on one number: investment return—how much their investments gained. But there’s another number that matters just as much: after-tax return—how much of those gains you actually keep after taxes. Capital gains taxes can take a significant bite out of your investment returns. Most investors simply accept that tax bill. But it doesn’t have to be that way. The CGai app works as your tax-smart sidekick. It monitors your portfolio daily, nudges you when it finds an opportunity to cut your taxes, and shows you exactly what you can do about it. Here are a few things CGai can do for you: * Your best tax loss may disappear before December. Tax-loss harvesting isn’t just a year-end strategy. A stock that drops in March may recover by December—and the opportunity to harvest that loss is gone. CGai watches your portfolio year-round to find tax-saving opportunities when they happen. * A loss from years ago could save you taxes today. Capital losses you couldn’t use in a prior year can carry forward. That means an old loss may still reduce your taxes today. CGai remembers your carryover losses and factors them into your current tax picture. * A winning stock can be hiding a losing investment. Your broker may show a position up 20%. But that position can contain several tax lots—and one of those individual lots could actually be down. CGai looks at every tax lot to uncover tax-saving opportunities hidden inside winning positions. * Your broker may not know you have a wash sale. Sell an investment for a loss in one account and buy it back in another—even at the same broker—and you may trigger a wash sale that isn't reflected in what your broker shows you. CGai looks across your connected accounts to help identify and avoid wash sales. —----------------- What opportunities are hiding in your portfolio? Getting started is easy—and you can try CGai for free. Connect your investment accounts and let CGai start looking for tax-saving opportunities you may be missing. No need to transfer your investments, change brokers, or change the way you invest. CGai has read-only access to your connected brokerage accounts. It can see the information it needs to analyze your portfolio, but it cannot trade, move, or withdraw your money. When CGai finds an opportunity, it explains what it found and gives you a specific trade idea. You decide whether to act on it—and place the trade yourself with your broker. Your investments stay where they are. Your money stays under your control. Try CGai for free and see what your after-tax return has been missing.