Nonetheless, Mr. Millard isn't alone in believing that a wait-and-see stance is preferable to a hasty selloff. Investors who sell stocks now to avoid higher taxes later would still trigger a capital-gains tax hit that could eat into their savings, says Michael Garry, managing member of Yardley Wealth Management in Newtown, Pa. And investors who flee from dividend-paying stocks would need to find other income-generating havens─at a time when yields on many bonds and other investments hover near zero. 'You could be making moves that make things worse for you,' Mr. Garry says.
不过,不止米利亚德一人相信按兵不动是其他投资者仓促抛售之际的良策。宾夕法尼亚州纽敦市财富管理公司Yardley Wealth Management基金经理盖瑞(Michael Garry)说,现在抛售股票以逃避今后更高税率的投资者仍然会受到资本利得税的打击,其储蓄可能遭到蚕食。投资者抛掉派发股息的股票后,将需要寻找其他能带来收益的避险资产,而此时许多债券和其他投资的收益率都徘徊在近零水平。盖瑞说,你的行动可能会让自己的处境更加不利。
That doesn't mean investing pros are sitting on their hands. Many say they are still making their usual year-end tax moves, such as rebalancing portfolios by selling stocks that have had strong runs and adding to sectors that look attractively valued. For clients who are adamant about locking in today's capital-gains rate, Jeff Feldman, a financial adviser with Rochester Financial Services in Pittsford, N.Y., is selling some winning stocks, and then immediately buying them back. That way his clients can pay taxes at today's lower rates, while resetting their portfolios' 'cost basis' so that taxes on future gains will be smaller.
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