How the Tax Code Shapes Your Investment Portfolio in 2026

Lucas and Luna unpack how capital gains tax rates, the wash-sale rule, and the net investment income tax quietly reshape how ordinary investors allocate assets in 2026. Using the example of a mid-career professional with a $200,000 taxable portfolio, they walk through how holding periods, tax-loss harvesting, and municipal bonds interact with current brackets. They also discuss the tax implications of ETFs versus mutual funds, and why the 3.8 percent surtax on investment income above $200,000 matters more than most people realize. By the end, you'll understand one specific strategy — tax-loss harvesting — well enough to mention to a friend. #CapitalGains #WashSaleRule #NetInvestmentIncomeTax #TaxLossHarvesting #MunicipalBonds #ETFvsMutualFund #HoldingPeriod #TaxBrackets2026 #PortfolioTaxEfficiency #Economics #PersonalFinance #Investing #FexingoBusiness #BusinessPodcast #TaxPolicyPodcast #Fexingo #LucasAndLuna #TaxCode Keep every episode free: buymeacoffee.com/fexingo