At an assumed CGT rate of 47%
At an assumed CGT rate of 47%, we identified US$60,000 of realised capital gains and US$11,896 of unrealised capital losses (harvest capacity). Applying US$11,896 of losses to offset your gains results in an estimated tax saving of US$5,591.
Potential replacement assets to maintain market exposure
Vanguard Total Stock Market ETF
iShares Core S&P 500 ETF
Vanguard Information Technology ETF
Technology Select Sector SPDR Fund
Vanguard FTSE Developed Markets ETF
For illustrative purposes only. Not a recommendation of any security, index, or strategy. Figures shown are sample data and do not represent actual client results. Tax outcomes depend on individual circumstances and jurisdiction; consult a qualified adviser.
Tax-loss harvesting is a strategy designed to maximise after-tax returns by selling investments at a loss to offset capital gains elsewhere. This means less tax paid and more capital to invest and potentially grow.
Chart is illustrative only and does not represent actual client results. Range shown is based on Vanguard's 2024 study of systematic tax-loss harvesting; outcomes depend on portfolio composition, jurisdiction, and holding periods. Not a recommendation.
Your allocation, unchanged. Your after-tax return, lifted.
Runs on observable data. No view required.
Used to live inside the accounting teams of the ultra-wealthy. Now available to any portfolio.
Tax drag on the average adviser-managed portfolio is 3× the adviser's fee.
% of portfolio · per year
Designed with practitioners and tax specialists. Every output is auditable, defensible, and built on the actual rules. Not a black box.
We model wash-sale equivalents, holding periods, and replacement exposure. A loss harvested today does not become a loss tomorrow.
Run a client portfolio in under sixty seconds. Set jurisdiction, tax bracket, and any capital gains you want to offset from outside this portfolio. Surface signals, not conclusions. Export a report your client can read.
Your client data does not train any model. Holdings stay encrypted in transit and at rest. SOC 2 controls in flight.
We surface the substitutes you can buy without breaking the wash-sale rule. We also tell you when you should not.
“Most tools are autopilots. Constantly rebalancing, zero control. A client portfolio, especially as you move up into private wealth and HNWI territory, is way more complex. Capital-gains events are more deferred, more varied than anything sitting in a brokerage account. That's where Lumvest's execution, pricing, and integrations make sense. You can tell it was built by finance professionals.”
Run a client portfolio, surface harvest candidates, export a report. All in the time it takes to brew the morning coffee.
Learn moreStandardise tax-loss analysis across the book. Same methodology, every adviser, every client.
Learn moreWhite-label the engine, embed the workflow, or call the API. Built to scale beyond the spreadsheet without losing the auditability.
Contact salesNo account required. Upload a CSV, see the tax-loss harvest opportunities, decide what to do with them.
