Know Mutual Fund Year Capital Gains Distributions Before December

Since I am retired, I can manage my taxable income received each year.  For tax planners like me, getting Mutual Fund capital gains distributions in mid to late December can ruin a good tax plan, especially if one is on the borderline of receiving tax credits or being in a lower tax bracket.

However, I don't have to wait until December to find out the amount of expected capital gains distributions.  The amount is usually determined at the end of September or October, but isn't paid until December.   I often can find out the expected capital gains distribution in early October or early November by checking the Mutual Fund website. 

With the expected capital gains information, I can plan other sources of taxable income, such as stock tax loss harvesting,  to ensure we know our tax bracket and eligibility for tax credits and deductions for the calendar year.

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This is not financial nor tax advice. Please consult a professional advisor.

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