capital loss

简明释义

资本性损失

英英释义

例句

1.To manage risk, it's important to understand how capital losses can affect your overall portfolio.

为了管理风险，了解资本损失如何影响你的整体投资组合非常重要。

2.He reported his capital loss on his tax return to reduce his taxable income.

他在报税时报告了他的资本损失，以减少应纳税所得额。

3.Investors often look for ways to offset their capital losses with capital gains.

投资者通常寻找方法用资本收益来抵消他们的资本损失。

4.After selling his stocks at a lower price, John realized he had incurred a capital loss.

在以较低的价格出售股票后，约翰意识到他遭受了资本损失。

5.The capital loss from the real estate investment was unexpected and affected his finances.

房地产投资的资本损失是意料之外的，影响了他的财务状况。

作文

Understanding the concept of capital loss is essential for anyone involved in investing or financial planning. A capital loss occurs when an asset, such as stocks or real estate, is sold for less than its purchase price. This financial phenomenon can significantly impact an investor's portfolio and overall financial health. To illustrate this, let’s consider a simple example. Suppose an investor buys shares of a company for $1,000. If the value of those shares drops to $700 and the investor decides to sell them, they would incur a capital loss of $300. This loss is important not only because it reflects a decrease in wealth but also due to its implications for taxes. In many jurisdictions, investors can use capital losses to offset capital gains from other investments, potentially lowering their taxable income.Understanding how to manage capital losses effectively can make a significant difference in an investor's strategy. One common approach is tax-loss harvesting, where investors sell losing investments to realize the capital loss and then reinvest in similar assets. This practice allows them to maintain their investment strategy while benefiting from tax deductions. However, it is crucial to be aware of regulations regarding wash sales, which can disallow the deduction if the same or substantially identical security is purchased within a specific timeframe.Moreover, recognizing the difference between short-term and long-term capital losses is vital. Short-term capital losses, incurred on assets held for one year or less, are typically taxed at higher ordinary income rates. In contrast, long-term capital losses benefit from lower tax rates, making them more favorable for investors. Thus, understanding these nuances can help investors make informed decisions about when to sell their assets and how to strategically plan for taxes.The psychological aspect of experiencing a capital loss should not be overlooked either. Many investors struggle with the emotional toll of seeing their investments decline in value. This can lead to hasty decisions, such as selling off assets at a loss out of panic rather than adhering to a well-thought-out investment strategy. It is essential for investors to remain calm and assess their options carefully, considering both their short-term needs and long-term goals.In conclusion, a capital loss is not merely a financial setback; it is a complex issue that requires careful consideration and strategic planning. By understanding what constitutes a capital loss, how it affects taxes, and how to manage it effectively, investors can navigate the challenges of the financial markets with greater confidence. Ultimately, recognizing that capital losses are a natural part of investing can help individuals maintain perspective and continue to pursue their financial objectives without undue stress.

理解资本损失的概念对任何参与投资或财务规划的人来说都是至关重要的。资本损失发生在资产（如股票或房地产）以低于购买价格的价格出售时。这种财务现象可能会显著影响投资者的投资组合和整体财务健康。为了说明这一点，让我们考虑一个简单的例子。假设一位投资者以1000美元的价格购买了一家公司的股票。如果这些股票的价值下降到700美元，投资者决定出售它们，那么他们将遭受300美元的资本损失。这个损失之所以重要，不仅因为它反映了财富的减少，还因为它对税收的影响。在许多司法管辖区，投资者可以利用资本损失抵消其他投资的资本收益，从而潜在地降低应纳税收入。有效管理资本损失的方法可以对投资者的策略产生重大影响。一种常见的方法是税收损失收割，投资者出售亏损的投资以实现资本损失，然后再投资于类似的资产。这种做法使他们能够保持投资策略，同时从税收减免中获益。然而，了解关于洗售的规定也至关重要，如果在特定时间框架内购买相同或实质上相同的证券，则可能会不允许扣除。此外，认识到短期和长期资本损失之间的区别也至关重要。在持有一年或更短时间的资产上产生的短期资本损失通常按较高的普通收入税率征税。相比之下，长期资本损失享受较低的税率，使其对投资者更为有利。因此，了解这些细微差别可以帮助投资者就何时出售资产以及如何制定税务战略做出明智的决策。经历资本损失的心理方面也不容忽视。许多投资者在看到投资贬值时会感到情绪上的压力。这可能导致匆忙的决策，例如由于恐慌而出售资产，而不是遵循经过深思熟虑的投资策略。投资者必须保持冷静，仔细评估他们的选择，考虑短期需求和长期目标。总之，资本损失不仅仅是财务挫折；它是一个复杂的问题，需要仔细考虑和战略规划。通过理解什么构成资本损失、它如何影响税收以及如何有效管理，投资者可以更自信地应对金融市场的挑战。最终，认识到资本损失是投资过程中的自然组成部分，可以帮助个人保持视角，并继续追求他们的财务目标，而不必承受过大的压力。