Make tax-smart investing part of your tax planning

You can work with an advisor, who can help you take advantage of a range of tax-smart investment techniques in your managed portfolio throughout the year. Because it's not what you earn, it's what you keep.

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More than tax-loss harvesting1

We use as many as 5 techniques in your managed portfolio at different times throughout the year to help improve after-tax returns.

Personalized strategies

Our team takes a personalized approach, tailored to your unique financial situation and investment preferences.

A proactive approach

Portfolio managers review all of your holdings, including individual purchase dates, in search of opportunities designed to reduce the impact of taxes on your investments.

Improving after-tax returns may have a significant long-term impact2

Legend: Hypothetical account value with tax-sensitive investment management. Hypothetical account value without tax-sensitive investment management.
This is a hypothetical example designed to show the potential impact of tax-smart investment management. Two accounts are shown, represented by lines on the graph, with tax-smart investment techniques applied to one, with the other having no tax-smart techniques applied. The difference between the performance of the two accounts over time is meant to show the impact that tax-smart investment management could have. In this example, employing tax-smart investment techniques generated approximately $400,000 in additional return over a 15-year period.

Our tax-smart approach can help with year-round tax planning

We apply up to 5 tax-smart investment techniques in your managed portfolio at different times throughout the year, some as early as the day you fund your account.3

Tax-loss harvesting1

Unlike some investment firms, which wait until year end to search for tax-loss harvesting opportunities, we're looking at your account throughout the year. This enhances our ability to offset any realized gains you may have in your account.

Manage capital gains

When selling investments in your account, we'll generally first look to sell those that you've held for a longer time period, allowing us to take advantage of lower long-term capital gains tax rates.

Manage distributions

We work to manage your exposure to income distributed by the mutual funds in which you're invested, due to either capital gains or because the securities held by those funds pay dividends or interest.

Invest in municipal bonds

When selecting bond funds for your account, we consider a number of different factors. When it makes sense, we may purchase municipal bond funds that generate interest that may be exempt from federal taxes and, in some cases, state taxes.

Transition management

We search for ways to integrate your existing eligible holdings4 into your managed account as opposed to selling all of your existing investments in order to "start from scratch." This can help reduce the potential tax consequences of creating your personalized investment strategy.

Wealth Management through Fidelity® Wealth Services

Discover the benefits of working with a dedicated advisor. In addition to helping you capitalize on a range of tax-smart investment management techniques, we'll also provide ongoing planning for your full financial picture, along with straightforward investment recommendations.

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