Grow Efficiently.
Position Assets Intelligently.
Cape Town, South Africa
Tax Efficiency and Asset Location
Tax efficiency and asset location are critical pieces of maximizing your long-term wealth.
The way your investments grow — and where you place them — can dramatically impact your after-tax returns.
We focus on matching the right investments with the right account types based on their tax treatment to maximize compounding power while minimizing unnecessary taxes.
Types of Accounts
By using the right accounts for the right investments, you maximize compounding, minimize tax drag, and build wealth more efficiently over time.
Don’t Be Fooled by Tax Loss Harvesting.
Looks smart. Might not be.
Tax loss harvesting is the practice of selling investments that have lost value in order to offset capital gains taxes. If you sell a stock at a loss, you can use that loss to reduce your taxable capital gains or offset up to $3,000 of ordinary income per year.
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The IRS only allows you to deduct up to $3,000 of losses per year against ordinary income.
Any losses above that must be carried forward to future years — potentially taking a long time to fully use.
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If you believed in a stock long-term, why are you selling it?
Selling just to claim a loss may contradict your investment thesis — potentially missing the rebound.
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Replacing with a “similar” stock isn’t the same.
Swapping Home Depot for Lowe’s or Pepsi for Coke assumes they’re interchangeable — but company-specific fundamentals matter.
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Good trading strategies aim for real gains, not manipulated losses.
Writing off margin interest (if used for investing) is often more valuable — there's no $3,000 cap and it’s tied to real portfolio growth.
Why Writing Off Margin Interest Can Be More Powerful Than Tax Loss Harvesting
When used responsibly, margin can not only amplify returns — it can also create a major tax advantage that's often overlooked compared to traditional tax-loss harvesting.
Let’s Build Your Portfolio Together.
We handle every aspect of your investment strategy. Let’s discuss your financial goals and how we can help you achieve them.