If I sell a stock on a gain and buy it back within 30 days, can I take advantage of the wash sale rule?
Answer:
Unfortunately, the IRS wants gains ASAP. While they are remiss at doling out tax breaks for losses, they are quick to take the gains.
If you have any sale of stock at a gain, you pay tax on it regardless when you buy other shares. The Wash rule only applies to losses. Now, you don't lose the loss, it is just attached to the basis of the new shares. It is "postponed" if you will.
Example if you bought 100 sh of AAPL at $10/sh and:
1) sold at $11 per share, the $100 gain is taxed immediately regardless of any other transaction
2) sold at $8 per share and didn't purchase any other shares within 30 days (prior to or after the sale), the $200 loss is allowable
3) sold at $8 per share and bought another 50 shares 5 days before at $9 per share. $100 of the $200 loss will be allowable. The other $100 will be added to the basis of the 50 shares which will now have a basis of ($9 x 50 + $100) = $550 or $11 per share. The wash rule applies share per share. When you sell the 50 shares, your basis is $11, not $9, so you don't lose the loss, it is postponed.
Capital gain!
There are no "advantages" to the wash sale rule. It only applies to losses. Gains are always taxed.
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