Friday, January 7, 2011

Capital Gains and Dividends Get Special Treatment

The tax rate on capital gains and dividends remains at zero percent for 2010.  You will be allowed to receive dividends and take profit on the sale of long-term assets you’ve owned, and pay no tax until they push you into the 25% tax bracket.  To qualify for the zero rate you must have owned the assets over a year and be in the 10% or 15% tax brackets.

For 2010 the 25% tax bracket starts at taxable incomes greater than $67,900 for married filing jointly and $33,950 for single filers.  When your taxable income exceeds these amounts your dividends and long-term capital gains will be taxed at 15%.  Short-term gains and long-term gains on collectibles do not qualify for these special rates. 

For example, suppose you were married filing jointly and all your income was from long-term capital gains.  For 2010, you would be pushed into the 25% tax bracket when your income exceeded $67,900.  If the only taxable income you had for the year was $65,000 of dividends and long-term capital gains, none of your income would be taxed.

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