Hey,
Life’s been feeling a bit repetitive lately, so thought I’d try talking to people outside my usual circle.
I’m into music, movies, random conversations, memes, late-night talks, and pretty much anything interesting. Easygoing person overall — just looking for good conversations and good vibes.
Doesn’t matter where you’re from, feel free to message if you think we’d get along.
As a CA, one thing I see very often while reviewing portfolios:
People happily book profits but ignore losses sitting in their portfolio.
Simple example:
• Profit booked: ₹3L
• Another investment: ₹2L loss
What most people do:
👉 Pay tax on full ₹3L
What they could do:
👉 Book the ₹2L loss
Now:
• Taxable gain = ₹1L
This is called tax loss harvesting.
Not a loophole — just basic tax efficiency that most people overlook.
Surprisingly, very few portfolios are managed with this in mind.
If you’re holding both gains and losses, it’s worth a quick review before year-end.
As a CA, one thing I see very often while reviewing portfolios:
People happily book profits but ignore losses sitting in their portfolio.
Simple example:
• Profit booked: ₹3L
• Another investment: ₹2L loss
What most people do:
👉 Pay tax on full ₹3L
What they could do:
👉 Book the ₹2L loss
Now:
• Taxable gain = ₹1L
This is called tax loss harvesting.
Not a loophole — just basic tax efficiency that most people overlook.
Surprisingly, very few portfolios are managed with this in mind.
If you’re holding both gains and losses, it’s worth a quick review before year-end.
As a CA, one thing I see very often while reviewing portfolios:
People happily book profits but ignore losses sitting in their portfolio.
Simple example:
• Profit booked: ₹3L
• Another investment: ₹2L loss
What most people do:
👉 Pay tax on full ₹3L
What they could do:
👉 Book the ₹2L loss
Now:
• Taxable gain = ₹1L
This is called tax loss harvesting.
Not a loophole — just basic tax efficiency that most people overlook.
Surprisingly, very few portfolios are managed with this in mind.
If you’re holding both gains and losses, it’s worth a quick review before year-end.