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☆ Harris wants to raise the top capital gains tax rate to 28%. How that compares to recent history
▼ + stars: | 2024-09-10 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

As the election ramps up, many investors are focused on capital gains taxes and how proposals from both parties could impact their assets. Democratic presidential nominee Vice President Kamala Harris last week proposed a 28% tax on long-term capital gains, or profits from the sale of assets owned for more than one year, for those making more than $1 million annually. Her plan would also raise the net investment income tax, or NIIT, from 3.8% to 5%, The Wall Street Journal reported last week. If Harris proposes raising the NIIT to 5%, the combined rate would be 33% for top earners. Biden's plan would raise the combined rate to 44.6%.

Persons: Kamala Harris, Donald Trump, Sen, Bernie Sanders, NBC's, Harris, filers Harris, Joe Biden's Organizations: Democratic, Sunday, Finance, IRS, Street Locations: Milwaukee , Wisconsin, U.S, Bedminster , New Jersey

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailHow Trump's and Harris' tax plans would affect your walletThe majority of Americans, 56%, say they pay too much in federal income tax, according to an April 2024 Gallup poll. Only 22% believe they receive valuable services from those taxes, according to an AP-NORC January 2024 survey. If the 2017 tax cuts are allowed to expire in 2025, about 62% of taxpayers would see their bills go up, according to the Tax Foundation. This means the 2024 election will determine which political party will get to shape Americans' taxes for years to come.

Persons: Harris Organizations: Tax

☆ There's still time to max out 401(k) contributions for 2024 — but some investors shouldn't, experts say
▼ + stars: | 2024-08-23 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

There's still time to boost 401(k) contributions and max out your plan account for 2024, but not everyone should, according to financial advisors. For 2024, employees can defer up to $23,000 into 401(k) plans, up from $22,500 in 2023, with an extra $7,500 for workers age 50 and older. Some 14% of investors maxed out their 401(k) employee deferrals in 2023, according to a 2024 report from Vanguard. Meanwhile, the average 401(k) savings rate in 2023 — including employee deferrals and company contributions — was an estimated 11.7%, which matched a record high from 2022, the same Vanguard report found. If you can afford to go further and max out your 401(k) for 2024, here are three things to consider first, experts say.

Persons: There's, Donald LaGrange, Murphy, Walz's, LaGrange, deferrals, — Organizations: Sylvest Wealth Management, Finance, Social Security, Vanguard Locations: Dallas

☆ Trump and Harris both want no taxes on tips. Here's why policy experts don't like the idea
▼ + stars: | 2024-08-13 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

U.S. Vice President Kamala Harris and Republican presidential nominee and former U.S. President Donald Trump. Former President Donald Trump and Vice President Kamala Harris both want to end taxes on tips — and some policy experts have already criticized the idea. Her comments come roughly two months after Trump shared a similar idea, also at a rally in the service economy hotbed. Generally, tipped workers are lower-income individuals, and some 37% weren't subject to federal income tax in 2022, the report found. Not taxing tips is "a fairly narrowly targeted tax exemption," said Garrett Watson, senior policy analyst and modeling manager at the Tax Foundation.

Persons: Kamala Harris, Donald Trump, Harris, Trump, Vance, Walz, Garrett Watson Organizations: Republican, Finance, Yale University, Tax Locations: Las Vegas, Nevada

☆ Vance wants to raise the child tax credit to $5,000. Here's why that could be difficult
▼ + stars: | 2024-08-12 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Sen. JD Vance of Ohio, former President Donald Trump's GOP running mate, wants to more than double the child tax credit. "I'd love to see a child tax credit that's $5,000 per child. More from Personal Finance:Tim Walz vs. JD Vance: Here's what the candidates could mean for your walletHere's how Kamala Harris' running mate Tim Walz could help shape the child tax creditThe expanded child tax credit failed in the Senate. Here's what it means for familiesWithout action from Congress, the maximum child tax credit will drop from $2,000 to $1,000 once Trump's 2017 tax cuts expire after 2025. During the pandemic, lawmakers temporarily increased the maximum child tax credit from $2,000 to either $3,000 or $3,600, depending on the child's age.

Persons: Sen, JD Vance, Ohio, Donald Trump's, Garrett Watson, Tim Walz, Kamala Harris Organizations: Republican, NMC, Wollard, Donald Trump's GOP, CBS, Tax, Finance, Columbia University Locations: Eau Claire , Wisconsin

Democratic vice presidential candidate and Minnesota Governor Tim Walz (L), and Republican Vice Presidential candidate Sen. JD Vance (R-OH). Child tax creditMinnesota's new child tax credit is unusual in its narrowness, but it is the most generous in the nation for low-income households. However, a permanent federal child tax credit expansion could be difficult, particularly amid a divided Congress and increasing concerns over the federal budget deficit. Despite the failed procedural vote, Crapo voiced openness to negotiating a "child tax credit solution that a majority of Republicans can support." Vance was not present for the Senate vote, but has expressed support for the child tax credit.

Persons: Tim Walz, Sen, JD Vance, Walz, Vance, Cowen, Seiberg, Jared Walczak, Mike Crapo, Crapo, Vance's Organizations: Democratic, Minnesota, Republican, Getty, Convention, Senate, U.S, Tax, Republicans, Senate Finance Committee, Democrats, Yale Law School Locations: Harris, Idaho, U.S

☆ Trump wants to cut taxes on Social Security — but it could threaten benefits, experts say
▼ + stars: | 2024-08-09 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Republican presidential nominee and former U.S. President Donald Trump holds a campaign rally in Harrisburg, Pennsylvania, U.S., July 31, 2024. Former President Donald Trump this week repeated his plan to eliminate taxes on Social Security benefits for seniors. But the plan could deplete Social Security and Medicare trust funds sooner, policy experts say. More from Personal Finance:Tim Walz cut taxes on Social Security. 'People are stretched'Unemployment insurance program is unprepared for a recession, experts saySome experts have criticized Trump's plan, citing concerns about the federal budget deficit and the solvency of Social Security and Medicare trust funds.

Persons: Donald Trump, Tim Walz, Garrett Watson Organizations: Social Security, Republican, Social, Fox, Finance, Tax Foundation Locations: Harrisburg , Pennsylvania, U.S, Lago, Palm Beach , Florida

☆ Here's how Kamala Harris' running mate Tim Walz could help shape the child tax credit
▼ + stars: | 2024-08-06 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Tim Walz, seen in Washington, D.C., on July 3, 2024, and Vice President Kamala Harris, seen in Washington, D.C., on July 22, 2024. Jim Watson, Chris Kleponis | AFP | Getty ImagesHow Minnesota's child tax credit stacks upHow Walz could shape federal policyAs a key priority for Walz, Minnesota's child tax credit upgrades were the single biggest line item in his latest supplemental budget. The policy could resurface to support an expanded federal child tax credit on the presidential campaign trail. Still, while Walz enacted state tax breaks like other governors, "he was able to turn the dial up a few extra notches," Auxier said. "The child tax credit is probably the most obvious example."

Persons: Tim Walz, Kamala Harris, Jim Watson, Chris Kleponis, Walz, Richard Auxier, Auxier Organizations: Minnesota Gov, Washington , D.C, AFP, Getty, Urban, Brookings Tax, Center, Democratic Locations: Minnesota, Washington ,

☆ 'Don't panic' amid stock market volatility, advisor says. Here's why staying invested pays off
▼ + stars: | 2024-08-05 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Westend61 | Getty ImagesLoading chart...Panic selling can 'crater your portfolio'Some investors are prone to panic selling during periods of volatility and then often miss the stock market recovery with cash sitting on the sidelines, research shows. "The roller-coaster ride back up happens just as quickly," and missing recovery days "can crater your portfolio," said Baker, who is also a member of CNBC's Financial Advisor Council. To that point, missing the 20 best days in the stock market from Jan. 1, 2003, to Dec. 30, 2022, would have cut your total portfolio returns by more than half, according to J.P. Morgan. Ultimately, staying invested pays off long-term because "it's a loser's game" to try to time the market, Baker said. Your existing cash reserves, for example, can cover emergencies or provide funds to "take advantage of opportunities," he said.

Persons: Baker, Morgan, Douglas Boneparth Organizations: CNBC's, Bone Locations: New York

U.S. Vice President Kamala Harris and second gentleman Douglas Emhoff descend from Air Force Two in Wilmington, DE, U.S., July 22, 2024. Vice President Kamala Harris' personal financial records are under fresh scrutiny now that she is running for the highest office in the United States. Experts say recent tax filings show she and her husband, Second Gentleman Douglas Emhoff, have largely kept their finances simple during her years as vice president. Yet that approach may have cost the couple as they left unclaimed tax savings through additional deductions, as well as other missed financial strategies. Harris' office did not respond to a request for comment by press time.

Persons: Kamala Harris, Douglas Emhoff, Second, Craig Hausz, Harris, Emhoff, Medicare Harris, doesn't, she'll, Carolyn McClanahan, McClanahan, Catherine Valega, Valega Organizations: Air Force, CMH Advisors, Finance, Social Security, Medicare, Planning Partners, CNBC FA, Green Bee Locations: Wilmington , DE, United States, Dallas, Jacksonville , Florida, Boston

Jenny Hunnicutt poses in front of the Royal Caribbean Ultimate World Cruise, which she's been on for nearly nine months traveling the world. As a U.S. citizen or permanent resident, you incur U.S. income taxes on "worldwide income," whether you're making money from a ship or another country. Gifts can become 'taxable income'For some self-employed cruise passengers, income could come in different forms. Joe Martucci, another passenger on the ship, is a certified public accountant who lived abroad for 16 years. Retired CPA Joe Martucci poses for a photo in Montenegro, a stop on the Royal Caribbean Ultimate World Cruise.

Persons: Jenny Hunnicutt, she's, Hunnicutt, Jane Mepham, Mepham, Joe Martucci, He's, Martucci Organizations: Royal, Financial Locations: Florida, Bahamas, Austin , Texas, Montenegro, Australia

☆ The expanded child tax credit failed in the Senate. Here's what it means for families
▼ + stars: | 2024-08-01 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

Senate Republicans on Thursday blocked legislation that would have expanded the child tax credit, a key tax break for millions of families. He said that Senate Republicans have concerns about the policy, but are willing to negotiate a "child tax credit solution that a majority of Republicans can support." If enacted, the bill would have improved access to the child tax credit and retroactively boosted the refundable portion for 2023, which could have triggered refund checks from the IRS. Eligible families could have seen an average tax cut of $680 for 2023 taxes, based on estimates from the Urban-Brookings Tax Policy Center. But expanding the child tax credit is still a "top priority for Democrats," particularly as the 2025 tax cliff approaches, he said.

Persons: Chuck Schumer, Mike Crapo, Harris, Joe Manchin, Bernie Sanders, Chuck Marr Organizations: Republicans, Senate Finance, Finance, Fed, Budget, Urban, Brookings Tax, House Republicans, Center Locations: Idaho, Sens

Elijah Nouvelage | Afp | Getty ImagesHow the LIFT Act could look todaySince the LIFT Act was first proposed in 2018, the cost of living has only skyrocketed, hitting working-class Americans especially hard. However, funding such a tax credit now could be tough amid growing concerns over the federal budget deficit. The advantage of the LIFT tax credit, said D'Acunto, is that it doesn't create the same market distortions the rent cap would ignite. Child tax credit is a 'huge priority' for DemocratsLIFT was first proposed years before Congress temporarily expanded the child tax credit during the Covid-19 pandemic, which could now be a bigger priority, experts say. Harris described the child tax credit changes as one of the "most important" and "most impactful" parts of the legislation in a 2021 speech.

Persons: Kamala Harris, Elijah Nouvelage, Tomas Philipson, Joe Biden's, Laura Veldkamp, Harris, Donald Trump, Francesco D'Acunto, Biden, Karl Widerquist, Jacob Channel Organizations: Democratic, Afp, Getty, White House Council, Economic Advisers, CNBC, Columbia University Business School, Georgetown University, D'Acunto, Federal, Plus, American Rescue Plan, Columbia University, . Census Locations: Atlanta , Georgia, Atlanta

☆ Here are 3 smart crypto tax moves to consider — whether prices go up or down
▼ + stars: | 2024-07-30 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

Weigh 'tax gain harvesting'Despite recent dips, many long-time crypto investors could have significant gains. Long-term capital gains rates apply to assets owned for more than one year. Of course, you'll need to weigh the tax consequences of boosting your adjusted gross income with crypto gains, which can impact other tax breaks. Consider the crypto wash sale 'loophole'If you're sitting on crypto losses, you could consider tax-loss harvesting, which allows you to offset other investing profits. Although tax-loss harvesting often happens at year-end, it's better to harvest crypto losses over time because "those losses may no longer exist" by year-end, Gordon explained.

Persons: bitcoin, Andrew Gordon, Adam Markowitz, Gordon Organizations: Getty, Gordon Law Group, Luminary, IRS Locations: Windermere , Florida

☆ Bitcoin is up more than 50% this year — here are key crypto tax rules every investor should know
▼ + stars: | 2024-07-29 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

After holding crypto for more than one year, you'll qualify for long-term capital gains of 0%, 15% or 20%, depending on taxable income. Higher earners may also owe an extra 3.8% levy, known as net investment income tax. By comparison, short-term capital gains or regular income taxes apply to assets owned for one year or less. New crypto reporting rulesThe U.S. Department of the Treasury and IRS in June released final guidance for digital asset brokers, which phases in mandatory yearly reporting. With limited past reporting on basis, crypto investors can still establish a "reasonable allocation" before Jan. 1, 2025, according to an IRS revenue procedure released in June.

Persons: Donald Trump, Jon Cherry, Adam Markowitz, Andrew Gordon Organizations: Republican, Getty, IRS, Luminary, Internal Revenue Service, U.S . Department of, Treasury, Gordon Law Group Locations: Nashville , Tennessee, Windermere , Florida

What the LIFT Act would mean todaySince the LIFT Act was first proposed in 2018, the cost of living has only sky-rocketed, hitting working-class Americans especially hard. But a tax credit like LIFT would also be extremely costly, according to Tax Policy Center estimates from 2018 and 2019. However, funding such a tax credit now could be tough amid growing concerns over the federal budget deficit. Focus on the child tax creditLIFT was first proposed years before Congress temporarily expanded the child tax credit during the Covid-19 pandemic, which could now be a bigger priority, experts say. The American Rescue Plan boosted the child tax credit to $3,000 from $2,000, with an extra $600 for children under age 6 for 2021, and families received up to half upfront via monthly payments.

Persons: Kamala Harris, Kevin Mohatt, Francesco D'Acunto, Biden, Karl Widerquist, Jacob Channel, Tomas Philipson, Laura Veldkamp, Harris, Donald Trump Organizations: West Allis Central High School, Reuters, Georgetown University, D'Acunto, Plus, White House Council, Economic Advisers, Columbia University Business School, American Rescue Plan, Columbia University, . Census Locations: West Allis , Wisconsin

☆ Here are some money moves to make before the Fed starts cutting interest rates
▼ + stars: | 2024-07-25 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Meanwhile, many investors are sitting on hefty cash allocations, including trillions in money market funds, which are generally still paying above 5%. How to tellAfter a series of rate hikes, investors piled into money market funds, which typically invest in shorter-term, lower-credit-risk debt, such as Treasury bills. Total U.S. money market funds hovered near a record of $6.15 trillion as of July 17, with $2.48 trillion in funds for retail investors, according to Investment Company Institute data. However, money market fund yields will likely fall if the Fed starts cutting rates in September, explained Ken Tumin, founder and editor of DepositAccounts. "Most [money market funds] seem to closely follow the federal funds rate," he said.

Persons: Ken Tumin Organizations: Federal Reserve, Finance, Social, Total U.S, Investment Company Institute

☆ IRS issues final rules for inherited IRAs — but many are 'missing the boat' on taxes, pro says
▼ + stars: | 2024-07-23 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

The IRS has finalized rules on required withdrawals for certain inherited individual retirement accounts and other plans. In final regulations last week, the agency confirmed most non-spouse beneficiaries have 10 years after the original owner's death to deplete inherited retirement accounts. These heirs also must take yearly required minimum distributions, or RMDs, which had been a lingering question among tax professionals for years. Before the Secure Act of 2019, heirs could "stretch" retirement account withdrawals over their lifetime, which reduced yearly taxes. Regardless, heirs are "missing the boat" because they should consider withdrawing more from inherited accounts now while tax rates are lower, said IRA expert and certified public accountant Ed Slott.

Persons: Ed Slott, Kamala Harris, Slott Organizations: IRS, Finance Locations: U.S

☆ Here's what a Kamala Harris administration could mean for your wallet
▼ + stars: | 2024-07-22 | by ( Cnbc.Com Personal Finance Staff | ) www.cnbc.com time to read: +8 min

Harris' visit, following the attempted assassination of former President Trump, makes this her fourth trip to Michigan this year and seventh visit since taking office. However, Harris voiced some distinctions from Biden before becoming vice president, Watson noted. The vice president plans to bring more relief to borrowers, they said. Harris proposed repealing the Trump tax cuts to pay for it. — Jessica DicklerHousingHarris has been a proponent for affordable housing policies both during her tenure as vice president and as senator.

Persons: Kamala Harris, Trump, Olivia Troye, Amanda Stratton, Harris, Chris duMond, Chris Dumond, Biden, Garrett Watson, Watson, — Kate Dore, Drew Altman, Altman, She'd, Fatima Goss Graves, Roe, Wade —, Greg Iacurci, Pell Grant, Joe Biden, Miguel Cardona, Annie, Laura Veldkamp, Veldkamp, — Jessica Dickler, May, — Ana Teresa Solá Organizations: Getty, Tax, Tax Foundation, Biden, — Kate Dore Health, Affordable, Medicaid, National Women's Law, CNBC, Current U.S . Department of Education, Corinthian Colleges, U.S . Department, Corinthian, Columbia University Business School, U.S . Department of Housing, Urban Locations: KALAMAZOO , MICHIGAN, Kalamazoo , Michigan, Michigan, North Carolina, California, U.S

☆ Here's where Kamala Harris could stand on tax policy, experts say
▼ + stars: | 2024-07-22 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

U.S. Vice President Kamala Harris speaks during a campaign event at Westover High School in Fayetteville, North Carolina, on July 18, 2024. With President Joe Biden officially out of the election, experts are watching for tax policy from Vice President Kamala Harris, the frontrunner for the Democratic nomination. While Harris has yet to outline her economic agenda, voters could see similar themes to Biden's proposals, which have called for higher taxes on the wealthy and corporations, experts say. The Harris campaign did not immediately respond to CNBC's request for comment. Here's what to watch from Harris when it comes to tax issues, according to policy experts.

Persons: Kamala Harris, Joe Biden, Harris, Biden, Garrett Watson Organizations: Westover High School, Democratic, Finance, Trump, Tax Foundation, Biden Locations: Fayetteville , North Carolina

☆ How Project 2025 could impact your tax bracket and capital gains under a second Trump term
▼ + stars: | 2024-07-20 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +2 min

More from Personal Finance:Lower capital gains tax, SNAP cuts: What Project 2025 could mean for your walletMany Americans think they're insulated from climate change. On a website dedicated to Project 2025, the Biden campaign describes the plan as a "blueprint for Trump." However, several former Trump officials have been directly affiliated with Project 2025 and Trump praised the Heritage Foundation in April 2022 in a recently resurfaced video. "As President Trump said, he has nothing to do with Project 2025," said Steven Cheung, a spokesman for the Trump campaign. Earlier this month, the group told CNBC: "As we've been saying for more than two years now, Project 2025 does not speak for any candidate or campaign.

Persons: Donald Trump applauds, Donald Trump, Joe Biden, Biden, Trump, Steven Cheung, we've Organizations: Republican National Convention, Heritage Foundation, Finance, Lower, SNAP, Federal, Trump, GOP, CNBC Locations: Milwaukee , Wisconsin, U.S

☆ Global tech outage hits financial services companies, including Charles Schwab
▼ + stars: | 2024-07-19 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Amid a widespread global IT outage, some investors were experiencing disruptions on Friday at financial services companies, including Charles Schwab , one of the country's largest brokerage firms. The issues stem from a faulty software update from cybersecurity company CrowdStrike, which affected businesses worldwide, including airlines, banks and media outlets. CrowdStrike CEO George Kurtz said the company is "actively working with customers impacted by a defect found in a single content update for Windows hosts." A banner across Charles Schwab's website said "certain online functionality may be intermittently slow or unavailable," noting that phone services may be disrupted with "longer than usual hold time." Charles Schwab did not immediately respond to CNBC's request for comment.

Persons: Charles Schwab, George Kurtz, Charles Schwab's Organizations: Windows, Finance, Education Department

☆ The election could have a 'massive impact' on the municipal bond market, analyst says
▼ + stars: | 2024-07-18 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +3 min

Muni yields are at their highest levels in years, offering significantly better compensation than in recent history. For example, let's say you're in the 35% tax bracket, comparing an 8% corporate bond to a 5.25% muni bond. Still, in 2024, municipal credit upgrades have outpaced downgrades by a ratio of 2.1 to 1, as of March 31, according to Moody's Analytics. The federal exemption for muni bond interestAmid the looming 2025 tax cliff and federal budget deficit, some experts also worry about the federal tax break for muni bond investors, Kozlik said. Although the exemption remained intact through TCJA negotiations, federal lawmakers enacted other changes that raised levies on muni bond issuers.

Persons: Joe Biden, Donald Trump, Emily Elconin, muni, Sean Beznicki, Beznicki, Kozlik Organizations: Republican, Michigan Conservative Coalition, Reuters, muni, VLP Financial, VLP, House, American Locations: Novi , Michigan, U.S, Vienna , Virginia, refinance

☆ The end of this tax break could be 'very disruptive' to business owners, expert says — what to know
▼ + stars: | 2024-07-16 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Tax breaks worth trillions of dollars are scheduled to expire after 2025 without extension from Congress — including a hefty deduction for millions of self-employed filers and business owners. The temporary deduction applies to so-called pass-through businesses, which report income at the individual level, such as sole proprietors, partnerships and S-corporations, along with some trusts and estates. Some already regret the decisionLawmakers added the temporary QBI deduction to the Tax Cuts and Jobs Act to create tax rates for pass-through businesses that are similar to tax rates for corporations. But while the QBI deduction will sunset after 2025, the legislation permanently reduced corporate taxes by dropping the top federal rate from 35% to 21%. For tax year 2021, the most recent data available, there were roughly 25.9 million QBI claims, up from 18.7 million in 2018, the first year the tax break was available, according to the IRS.

Persons: Donald Trump, Dan Ryan, Sullivan, Gen Zers, Howard Gleckman Organizations: Finance, Urban, Brookings Tax, Center Locations: Worcester

If enacted, Project 2025 would bring major changes to Americans' finances. "As we've been saying for more than two years now, Project 2025 does not speak for any candidate or campaign," a spokesperson from Project 2025 said in a statement. "We are a coalition of more than 110 conservative groups advocating policy and personnel recommendations for the next conservative president." "But it is ultimately up to that president, who we believe will be President Trump, to decide which recommendations to implement," the organization said. While some of the changes proposed in Project 2025 could happen via executive action, many would need congressional approval, which could prove difficult in a divided government.

Persons: Donald Trump, Trump, Joe Biden, Biden, Zers, we've Organizations: Heritage Foundation, Trump, Finance, America Locations: Philadelphia

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