How Tax-Loss Harvesting Works in Your Non-Registered Account

Most people think tax-loss harvesting is only for day traders with big losses. But in 2026, with markets near record highs and volatility picking up, the strategy has quietly become one of the most underused tools in ordinary investors' kits. In this episode, Lucas and Luna break down how tax-loss harvesting actually works in a non-registered brokerage account — not just the basics, but the specific rules that trip people up: the thirty-day wash-sale rule, how to avoid superficial losses, and what happens when you sell an ETF and buy a similar one. They also walk through a real-world example with numbers: how a $5,000 realized loss could save you over $1,100 in taxes, and why the strategy is best used in taxable accounts, not your RRSP or TFSA. By the end, you'll know exactly when to harvest, how to do it without triggering the wash-sale rule, and why this is one of the few tax moves that actually pays you to keep investing. #TaxLossHarvesting #WashSaleRule #CapitalGains #InvestmentTaxes #TaxPlanning #NonRegisteredAccount #RRSP #TFSA #TaxStrategy #Finance #Business #FexingoBusiness #BusinessPodcast #TaxTips #Investing #TaxSeason #WealthManagement #CanadianTaxes Keep every episode free: buymeacoffee.com/fexingo