圣地麦加
2022-02-07
你担心一下空头21%利息吧。我们怎么交税用你管？
The party's over for some AMC and GameStop investors, while luckier meme-stock winners brace for a massive tax bill<blockquote>对于一些AMC和游戏驿站投资者来说，派对已经结束，而幸运的模因股票赢家则准备迎接巨额税单</blockquote>
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If I come out huge, I have to pay it," said the 32-year-old Greenville, S.C. mechanical engineer.</p><p><blockquote>这位来自南卡罗来纳州格林维尔的32岁机械工程师说：“这是我的想法。如果我赚了大钱，我就必须为此付出代价。”</blockquote></p><p>Gutierrez's approximate $3,500 to $4,000 wager on GameStop was his first attempt at stock picking after he contributed to his 401(k)'s target date fund, and took advantage of the company match.</p><p><blockquote>Gutierrez在游戏驿站上下了大约3,500至4,000美元的赌注，这是他在向401(k)目标日期基金捐款并利用公司匹配后首次尝试选股。</blockquote></p><p>At one point, he was up by $4,500 to $5,000, but Gutierrez ended up selling most of his GameStop shares in late February and early March, eking out a loss less than $1,000.</p><p><blockquote>他的股价一度上涨了4,500美元至5,000美元，但Gutierrez最终在2月底和3月初出售了大部分游戏驿站股票，勉强维持了不到1,000美元的损失。</blockquote></p><p>That's pretty much a wash in his view. In the following months, Gutierrez tucked up to $1,000 in a savings account just in case he had to cover any additional taxes.</p><p><blockquote>在他看来，这几乎是一种耻辱。在接下来的几个月里，古铁雷斯在储蓄账户里存了1000美元，以防他必须支付任何额外的税款。</blockquote></p><p>He still holds a small amount of GameStop, just for the good memories of a "whirlwind" time.</p><p><blockquote>他至今还持有少量游戏驿站，只为一段“旋风”时光的美好回忆。</blockquote></p><p>Gutierrez was almost one of the lucky ones. A year ago, the short squeeze on stocks like GameStop and AMC became a social-media phenomenon and Wall Street morality play wrapped into one pandemic-era event.</p><p><blockquote>古铁雷斯几乎是幸运儿之一。一年前，游戏驿站和AMC等股票的轧空成为一种社交媒体现象，华尔街的道德游戏被包裹在大流行时代的一个事件中。</blockquote></p><p>Now, the early 2021 trading frenzy could represent something else: a lesson for new retail investors on the perils of bad tax planning.</p><p><blockquote>现在，2021年初的交易狂潮可能代表着其他东西：给新散户投资者上了一课，让他们了解糟糕的税务规划的危险。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/4154d4c9c195b56d48414d08ae1e6737\" tg-width=\"700\" tg-height=\"635\" width=\"100%\" height=\"auto\"/><span>Future taxes weren’t exactly what Jason Gutierrez was thinking about in the heights of the early 2021 GameStop saga.</span></p><p><blockquote><p class=\"t-img-caption\"><span>未来的税收并不完全是Jason Gutierrez在2021年初游戏驿站传奇的高潮中所考虑的。</span></p></blockquote></p><p>If someone bought and sold last year, but plowed all their profits from meme stocks and cryptocurrency back into the market -- without putting aside cash for taxes on the capital gains -- they may have a smaller 2022 portfolio to pay for a 2021 tax bill.</p><p><blockquote>如果有人去年进行了买卖，但将模因股票和加密货币的所有利润重新投入市场——而没有留出现金缴纳资本利得税——那么他们2022年的投资组合可能会较小，以支付2021年的税单。</blockquote></p><p>After hitting a share price high of $324 in late January, GameStop stock closed Wednesday at $100.11. In several price spikes last year, AMC jumped from $3.51 to $13.26 in January, soaring to $59.26 in mid-June; the stock closed Wednesday at $15.40.</p><p><blockquote>在1月底触及324美元的股价高点后，游戏驿站股价周三收于100.11美元。在去年的几次价格飙升中，AMC从3.51美元跃升至1月份的13.26美元，6月中旬飙升至59.26美元；该股周三收于15.40美元。</blockquote></p><p>Meanwhile, the value of bitcoin plummeted from nearly $64,000 in early November and now hovers below $40,000. In that same span, ethereum dropped from close to $5,000 to less than $3,000.</p><p><blockquote>与此同时，比特币的价值从11月初的近64,000美元暴跌，目前徘徊在40,000美元以下。在同一时期，以太币从接近5,000美元跌至不到3,000美元。</blockquote></p><p>This is coinciding with the income-tax season. The IRS wants taxpayers to pay tax liabilities by April 18.</p><p><blockquote>这恰逢所得税季节。美国国税局希望纳税人在4月18日之前缴纳税款。</blockquote></p><p>The concern, some financial experts say, is there may be too many others who didn't have the same foresight, causing their good memories to turn bad.</p><p><blockquote>一些金融专家表示，令人担忧的是，可能有太多其他人没有同样的远见，导致他们的美好回忆变得糟糕。</blockquote></p><p>"We're worried that some of these newer individual investors might be receiving a tax bill that they aren't prepared for," said Lindsey Bell, chief markets and money strategist at Ally, a financial-services company with banking, lending and broker offerings.</p><p><blockquote>Ally是一家拥有银行、贷款和经纪业务的金融服务公司，其首席市场和货币策略师林赛·贝尔(Lindsey Bell)表示：“我们担心其中一些新的个人投资者可能会收到他们没有准备好的税单。”产品。</blockquote></p><p>‘We’re worried that some of these newer individual investors might be receiving a tax bill that they aren’t prepared for.’”— Lindsey Bell, chief markets and money strategist at AllyHere's one sign of the times: A 60% year-over-year increase in the size of the estimated tax payments that Ally bank customers sent to the IRS for the fourth quarter.</p><p><blockquote>“我们担心一些新的个人投资者可能会收到他们没有准备好的税单。”——AllyHere首席市场和货币策略师林赛·贝尔(Lindsey Bell)时代的一个迹象：同比增长60%Ally bank客户第四季度向IRS缴纳的预计税款规模同比增长。</blockquote></p><p>"The largest component of that, based on our own analysis, is likely the payments related to stock gains," Bell said.</p><p><blockquote>贝尔说：“根据我们自己的分析，其中最大的组成部分可能是与股票收益相关的付款。”</blockquote></p><p>"I think the meme stockers don't actually know about their problem yet," said Matt Metras, an enrolled agent with MDM Financial Services, a Rochester, N.Y.-based tax preparation and bookkeeping firm with a specialty in cryptocurrency.</p><p><blockquote>“我认为meme库存者实际上还不知道他们的问题，”MDM Financial Services的注册代理人Matt Metras说，MDM Financial Services是一家总部位于纽约州罗切斯特的税务准备和簿记公司，专门从事加密货币。</blockquote></p><p>That will happen once their brokerage platforms send along tax forms recording the person's stock-market proceeds and losses, he noted. "That's when I think they are going to be in for a surprise."</p><p><blockquote>他指出，一旦他们的经纪平台发送记录该人股市收益和损失的税单，这种情况就会发生。“那时我认为他们会大吃一惊。”</blockquote></p><p>These forms are on the way. Robinhood users can access their 1099s in mid-February, a spokesman said. TD Ameritrade has been sending its 1099s since mid-January and will wrap the process in the coming weeks, a spokeswoman said. Charles Schwab Corp., where Gutierrez traded, will make the forms available online by the end of the first week in February.</p><p><blockquote>这些表格正在路上。一位发言人表示，Robinhood用户可以在2月中旬访问他们的1099。一位发言人表示，德美利证券自1月中旬以来一直在发送1099，并将在未来几周内完成这一过程。古铁雷斯交易的查尔斯·施瓦布公司（Charles Schwab Corp.）将在2月第一周结束前在网上提供这些表格。</blockquote></p><p>Some but not all cryptocurrency exchanges send tax forms to users, Metras noted. The recently passed infrastructure bill requires people and entities who regularly carry out digital-asset transfers to report those transactions to the IRS. The hotly disputed reporting requirements are scheduled to take effect in 2024.</p><p><blockquote>Metras指出，一些（但不是全部）加密货币交易所会向用户发送税单。最近通过的基础设施法案要求定期进行数字资产转移的个人和实体向美国国税局报告这些交易。备受争议的报告要求计划于2024年生效。</blockquote></p><p><b>IRS rules on selling stocks</b></p><p><blockquote><b>国税局关于出售股票的规定</b></blockquote></p><p></p><p>It's tough to say how many people will find themselves in a jam. On one hand, with the pandemic giving rise to the "retail bro," 10 million new brokerage accounts were opened in 2020, according to J.D. Power, a consumer analytics firm.</p><p><blockquote>很难说有多少人会发现自己陷入困境。根据J.D.的数据，一方面，随着疫情催生了“零售兄弟”，2020年新开设了1000万个经纪账户。消费者分析公司Power。</blockquote></p><p>On the other hand, as companies like GameStop and AMC briefly reached the stratosphere, it was in no small part thanks to the buy-and-hold strategy from people on Reddit's WallStreetBets. That "diamond hands" approach could be a saving grace, come tax time.</p><p><blockquote>另一方面，随着游戏驿站和AMC等公司短暂达到顶峰，这在很大程度上要归功于Reddit WallStreetBets上人们的买入并持有策略。到了纳税的时候，这种“钻石手”的方法可能是一个可取之处。</blockquote></p><p>The tax on capital gains can be as much as 20% when the sale or "realization" happens at least one year after the purchase. (The tax is 0% for people making up to $40,4000 and 15% for individuals making between $40,400 and $445,850, the IRS says)</p><p><blockquote>当出售或“变现”发生在购买后至少一年时，资本利得税可能高达20%。（美国国税局表示，收入在40,400美元以下的人税率为0%，收入在40,400美元至445,850美元之间的个人税率为15%）</blockquote></p><p>If the purchase and sale happens within a year, however, that's a short-term capital gain and the proceeds count as ordinary income. That's subject to income tax brackets which can run up to 37%.</p><p><blockquote>然而，如果买卖发生在一年内，那就是短期资本收益，收益算作普通收入。这需要缴纳高达37%的所得税。</blockquote></p><p>The IRS "wash sale rule" essentially blocks investors from taking a capital loss (which reduces their tax exposure) if they buy the same or substantially same securities in the 30 days before the loss or the 30 days after.</p><p><blockquote>IRS的“洗售规则”本质上阻止投资者在损失前30天或损失后30天内购买相同或基本相同的证券时遭受资本损失（从而减少他们的税务风险）。</blockquote></p><p>Metras said this rule increases tax bills every year -- and he's expecting the same this year. Many clients playing the market "don't realize that they can't deduct those loses and they have a ton of gains on paper. I see that every year, especially with platforms that make it super easy to trade a lot like Robinhood," he said.</p><p><blockquote>Metras表示，这项规定每年都会增加税单，他预计今年也会如此。许多参与市场的客户“没有意识到他们无法扣除这些损失，而他们在纸面上有大量收益。我每年都会看到这种情况，尤其是像Robinhood这样让交易变得超级容易的平台，”他说。</blockquote></p><p>Robinhood does notify users about the wash sale rule in its help center, a spokesman noted.</p><p><blockquote>一位发言人指出，Robinhood确实在其帮助中心通知用户有关清洗销售规则。</blockquote></p><p><b>Crypto concerns 'People are going to be left holding a bag and owing taxes'</b></p><p><blockquote><b>加密货币担忧“人们将背着包并欠税”</b></blockquote></p><p>There are parallels between 2021 and the recent past, said Jordan Bass, a CPA at his Los Angeles-based accounting firm, Taxing Cryptocurrency, and a tax attorney specializing in digital assets.</p><p><blockquote>洛杉矶会计师事务所负责加密货币征税的注册会计师、专门从事数字资产的税务律师乔丹·巴斯(Jordan Bass)表示，2021年与最近的过去有相似之处。</blockquote></p><p>Bitcoin experienced a significant drop in early 2018, Bass said. "The cascading effect of prices depreciating and people selling and panic selling is still there and people are going to be left holding a bag and owing taxes. It's a similar concept with equities."</p><p><blockquote>巴斯表示，比特币在2018年初经历了大幅下降。“价格贬值、人们抛售和恐慌性抛售的连锁效应仍然存在，人们将背着袋子并欠税。这与股票的概念类似。”</blockquote></p><p>‘The cascading effect of prices depreciating and people selling and panic selling is still there and people are going to be left holding a bag and owing taxes.’”— Jordan Bass, founder of Taxing CryptocurrencyLike stocks, capital gains taxation apply to crypto -- and the IRS is keen on making sure anyone using cryptocurrency is paying their full tab.</p><p><blockquote>“价格贬值、人们抛售和恐慌性抛售的连锁效应仍然存在，人们将背着袋子并欠税。”——加密货币征税创始人乔丹·巴斯（Jordan Bass）与股票一样，资本利得税也适用于加密货币——美国国税局热衷于确保任何使用加密货币的人都支付全额费用。</blockquote></p><p>People who have tax bills they can't pay have several options. They can arrange installment agreements or they can try to arrange an "offer in compromise" with the IRS. For these offers, the tax collector will accept less than the full liability, but there are a string of caveats. (Read more about those rules here.)</p><p><blockquote>有付不起税单的人有几种选择。他们可以安排分期付款协议，也可以尝试与国税局安排“妥协提议”。对于这些提议，税务员将接受少于全部责任，但有一系列警告。（在此处阅读有关这些规则的更多信息。）</blockquote></p><p>When some crypto investors get in a tax bind, Bass said it's not that they can't afford to settle their tab if they started to liquidate. It's that they're not willing, because they think the market that went down will come back up again -- and soon.</p><p><blockquote>巴斯表示，当一些加密货币投资者陷入税务困境时，如果他们开始清算，并不是说他们无力支付账单。而是他们不愿意，因为他们认为下跌的市场会再次上涨——而且很快。</blockquote></p><p>"If they bet correctly and the market does come back, yes, that's brilliant. But if they bet incorrectly, it's not. The reason why I say the word 'bet' is because it's almost like a gamble," Bass said.</p><p><blockquote>“如果他们赌对了，市场确实回来了，是的，那太棒了。但如果他们赌错了，那就不是了。我之所以说‘赌’这个词，是因为这几乎就像一场赌博，”Bass说。</blockquote></p><p>Bitcoin owners are hoping for a jump back to over $55,000 in six months, according to a Morning Consult poll on Tuesday.</p><p><blockquote>根据Morning Consult周二的一项民意调查，比特币车主希望在六个月内价格回升至55,000美元以上。</blockquote></p><p>GameStop, meanwhile, was a turning point for Gutierrez. He still contributes to his 401(k), but he's built up his cryptocurrency holdings, including in DeFi. He mostly buys and holds, as an investment strategy and a tax consideration to avoid higher taxes from short-term capital gains.</p><p><blockquote>与此同时，游戏驿站是Gutierrez的转折点。他仍然向401(k)缴款，但他已经增加了加密货币持有量，包括DeFi。他主要购买并持有，作为一种投资策略和税收考虑，以避免短期资本收益产生更高的税收。</blockquote></p><p>Looking back, the GameStop run up "was definitely the perfect gateway drug into the rest of this," Gutierrez said, adding, "I'm in it for the long run."</p><p><blockquote>回顾过去，游戏驿站的上涨“绝对是进入其他领域的完美入门药物，”古铁雷斯说，并补充道，“我将长期参与其中。”</blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></p>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>The party's over for some AMC and GameStop investors, while luckier meme-stock winners brace for a massive tax bill<blockquote>对于一些AMC和游戏驿站投资者来说，派对已经结束，而幸运的模因股票赢家则准备迎接巨额税单</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nThe party's over for some AMC and GameStop investors, while luckier meme-stock winners brace for a massive tax bill<blockquote>对于一些AMC和游戏驿站投资者来说，派对已经结束，而幸运的模因股票赢家则准备迎接巨额税单</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">MarketWatch</strong><span class=\"h-time small\">2022-02-06 12:13</span>\n</p>\n</h4>\n</header>\n<article>\n<p><html><head></head><body>'I think the meme stockers don't actually know about their problem yet,' said Matt Metras, an enrolled agent with MDM Financial Services</p><p><blockquote><html><head></head><body>MDM Financial Services的注册代理人马特·梅特拉斯(Matt Metras)说，我认为迷因股票持有者实际上还不知道他们的问题</body></html></blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/abfefa973fd1117df22c71fec09bb54e\" tg-width=\"700\" tg-height=\"487\" width=\"100%\" height=\"auto\"/><span>Is the IRS going to be the buzzkill on last year’s meme stock frenzy?</span></p><p><blockquote><p class=\"t-img-caption\"><span>美国国税局会成为去年迷因股票狂潮的扫兴者吗？</span></p></blockquote></p><p>When Jason Gutierrez kept refreshing GameStop's performance between work tasks during the wild, early days of 2021, he admits future tax obligations weren't his No. 1 priority.</p><p><blockquote>当Jason Gutierrez在2021年初的野外工作任务之间不断刷新游戏驿站的表现时，他承认未来的纳税义务并不是他的第一要务。</blockquote></p><p>"It was in the back of my mind. If I come out huge, I have to pay it," said the 32-year-old Greenville, S.C. mechanical engineer.</p><p><blockquote>这位来自南卡罗来纳州格林维尔的32岁机械工程师说：“这是我的想法。如果我赚了大钱，我就必须为此付出代价。”</blockquote></p><p>Gutierrez's approximate $3,500 to $4,000 wager on GameStop was his first attempt at stock picking after he contributed to his 401(k)'s target date fund, and took advantage of the company match.</p><p><blockquote>Gutierrez在游戏驿站上下了大约3,500至4,000美元的赌注，这是他在向401(k)目标日期基金捐款并利用公司匹配后首次尝试选股。</blockquote></p><p>At one point, he was up by $4,500 to $5,000, but Gutierrez ended up selling most of his GameStop shares in late February and early March, eking out a loss less than $1,000.</p><p><blockquote>他的股价一度上涨了4,500美元至5,000美元，但Gutierrez最终在2月底和3月初出售了大部分游戏驿站股票，勉强维持了不到1,000美元的损失。</blockquote></p><p>That's pretty much a wash in his view. In the following months, Gutierrez tucked up to $1,000 in a savings account just in case he had to cover any additional taxes.</p><p><blockquote>在他看来，这几乎是一种耻辱。在接下来的几个月里，古铁雷斯在储蓄账户里存了1000美元，以防他必须支付任何额外的税款。</blockquote></p><p>He still holds a small amount of GameStop, just for the good memories of a "whirlwind" time.</p><p><blockquote>他至今还持有少量游戏驿站，只为一段“旋风”时光的美好回忆。</blockquote></p><p>Gutierrez was almost one of the lucky ones. A year ago, the short squeeze on stocks like GameStop and AMC became a social-media phenomenon and Wall Street morality play wrapped into one pandemic-era event.</p><p><blockquote>古铁雷斯几乎是幸运儿之一。一年前，游戏驿站和AMC等股票的轧空成为一种社交媒体现象，华尔街的道德游戏被包裹在大流行时代的一个事件中。</blockquote></p><p>Now, the early 2021 trading frenzy could represent something else: a lesson for new retail investors on the perils of bad tax planning.</p><p><blockquote>现在，2021年初的交易狂潮可能代表着其他东西：给新散户投资者上了一课，让他们了解糟糕的税务规划的危险。</blockquote></p><p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/4154d4c9c195b56d48414d08ae1e6737\" tg-width=\"700\" tg-height=\"635\" width=\"100%\" height=\"auto\"/><span>Future taxes weren’t exactly what Jason Gutierrez was thinking about in the heights of the early 2021 GameStop saga.</span></p><p><blockquote><p class=\"t-img-caption\"><span>未来的税收并不完全是Jason Gutierrez在2021年初游戏驿站传奇的高潮中所考虑的。</span></p></blockquote></p><p>If someone bought and sold last year, but plowed all their profits from meme stocks and cryptocurrency back into the market -- without putting aside cash for taxes on the capital gains -- they may have a smaller 2022 portfolio to pay for a 2021 tax bill.</p><p><blockquote>如果有人去年进行了买卖，但将模因股票和加密货币的所有利润重新投入市场——而没有留出现金缴纳资本利得税——那么他们2022年的投资组合可能会较小，以支付2021年的税单。</blockquote></p><p>After hitting a share price high of $324 in late January, GameStop stock closed Wednesday at $100.11. In several price spikes last year, AMC jumped from $3.51 to $13.26 in January, soaring to $59.26 in mid-June; the stock closed Wednesday at $15.40.</p><p><blockquote>在1月底触及324美元的股价高点后，游戏驿站股价周三收于100.11美元。在去年的几次价格飙升中，AMC从3.51美元跃升至1月份的13.26美元，6月中旬飙升至59.26美元；该股周三收于15.40美元。</blockquote></p><p>Meanwhile, the value of bitcoin plummeted from nearly $64,000 in early November and now hovers below $40,000. In that same span, ethereum dropped from close to $5,000 to less than $3,000.</p><p><blockquote>与此同时，比特币的价值从11月初的近64,000美元暴跌，目前徘徊在40,000美元以下。在同一时期，以太币从接近5,000美元跌至不到3,000美元。</blockquote></p><p>This is coinciding with the income-tax season. The IRS wants taxpayers to pay tax liabilities by April 18.</p><p><blockquote>这恰逢所得税季节。美国国税局希望纳税人在4月18日之前缴纳税款。</blockquote></p><p>The concern, some financial experts say, is there may be too many others who didn't have the same foresight, causing their good memories to turn bad.</p><p><blockquote>一些金融专家表示，令人担忧的是，可能有太多其他人没有同样的远见，导致他们的美好回忆变得糟糕。</blockquote></p><p>"We're worried that some of these newer individual investors might be receiving a tax bill that they aren't prepared for," said Lindsey Bell, chief markets and money strategist at Ally, a financial-services company with banking, lending and broker offerings.</p><p><blockquote>Ally是一家拥有银行、贷款和经纪业务的金融服务公司，其首席市场和货币策略师林赛·贝尔(Lindsey Bell)表示：“我们担心其中一些新的个人投资者可能会收到他们没有准备好的税单。”产品。</blockquote></p><p>‘We’re worried that some of these newer individual investors might be receiving a tax bill that they aren’t prepared for.’”— Lindsey Bell, chief markets and money strategist at AllyHere's one sign of the times: A 60% year-over-year increase in the size of the estimated tax payments that Ally bank customers sent to the IRS for the fourth quarter.</p><p><blockquote>“我们担心一些新的个人投资者可能会收到他们没有准备好的税单。”——AllyHere首席市场和货币策略师林赛·贝尔(Lindsey Bell)时代的一个迹象：同比增长60%Ally bank客户第四季度向IRS缴纳的预计税款规模同比增长。</blockquote></p><p>"The largest component of that, based on our own analysis, is likely the payments related to stock gains," Bell said.</p><p><blockquote>贝尔说：“根据我们自己的分析，其中最大的组成部分可能是与股票收益相关的付款。”</blockquote></p><p>"I think the meme stockers don't actually know about their problem yet," said Matt Metras, an enrolled agent with MDM Financial Services, a Rochester, N.Y.-based tax preparation and bookkeeping firm with a specialty in cryptocurrency.</p><p><blockquote>“我认为meme库存者实际上还不知道他们的问题，”MDM Financial Services的注册代理人Matt Metras说，MDM Financial Services是一家总部位于纽约州罗切斯特的税务准备和簿记公司，专门从事加密货币。</blockquote></p><p>That will happen once their brokerage platforms send along tax forms recording the person's stock-market proceeds and losses, he noted. "That's when I think they are going to be in for a surprise."</p><p><blockquote>他指出，一旦他们的经纪平台发送记录该人股市收益和损失的税单，这种情况就会发生。“那时我认为他们会大吃一惊。”</blockquote></p><p>These forms are on the way. Robinhood users can access their 1099s in mid-February, a spokesman said. TD Ameritrade has been sending its 1099s since mid-January and will wrap the process in the coming weeks, a spokeswoman said. Charles Schwab Corp., where Gutierrez traded, will make the forms available online by the end of the first week in February.</p><p><blockquote>这些表格正在路上。一位发言人表示，Robinhood用户可以在2月中旬访问他们的1099。一位发言人表示，德美利证券自1月中旬以来一直在发送1099，并将在未来几周内完成这一过程。古铁雷斯交易的查尔斯·施瓦布公司（Charles Schwab Corp.）将在2月第一周结束前在网上提供这些表格。</blockquote></p><p>Some but not all cryptocurrency exchanges send tax forms to users, Metras noted. The recently passed infrastructure bill requires people and entities who regularly carry out digital-asset transfers to report those transactions to the IRS. The hotly disputed reporting requirements are scheduled to take effect in 2024.</p><p><blockquote>Metras指出，一些（但不是全部）加密货币交易所会向用户发送税单。最近通过的基础设施法案要求定期进行数字资产转移的个人和实体向美国国税局报告这些交易。备受争议的报告要求计划于2024年生效。</blockquote></p><p><b>IRS rules on selling stocks</b></p><p><blockquote><b>国税局关于出售股票的规定</b></blockquote></p><p></p><p>It's tough to say how many people will find themselves in a jam. On one hand, with the pandemic giving rise to the "retail bro," 10 million new brokerage accounts were opened in 2020, according to J.D. Power, a consumer analytics firm.</p><p><blockquote>很难说有多少人会发现自己陷入困境。根据J.D.的数据，一方面，随着疫情催生了“零售兄弟”，2020年新开设了1000万个经纪账户。消费者分析公司Power。</blockquote></p><p>On the other hand, as companies like GameStop and AMC briefly reached the stratosphere, it was in no small part thanks to the buy-and-hold strategy from people on Reddit's WallStreetBets. That "diamond hands" approach could be a saving grace, come tax time.</p><p><blockquote>另一方面，随着游戏驿站和AMC等公司短暂达到顶峰，这在很大程度上要归功于Reddit WallStreetBets上人们的买入并持有策略。到了纳税的时候，这种“钻石手”的方法可能是一个可取之处。</blockquote></p><p>The tax on capital gains can be as much as 20% when the sale or "realization" happens at least one year after the purchase. (The tax is 0% for people making up to $40,4000 and 15% for individuals making between $40,400 and $445,850, the IRS says)</p><p><blockquote>当出售或“变现”发生在购买后至少一年时，资本利得税可能高达20%。（美国国税局表示，收入在40,400美元以下的人税率为0%，收入在40,400美元至445,850美元之间的个人税率为15%）</blockquote></p><p>If the purchase and sale happens within a year, however, that's a short-term capital gain and the proceeds count as ordinary income. That's subject to income tax brackets which can run up to 37%.</p><p><blockquote>然而，如果买卖发生在一年内，那就是短期资本收益，收益算作普通收入。这需要缴纳高达37%的所得税。</blockquote></p><p>The IRS "wash sale rule" essentially blocks investors from taking a capital loss (which reduces their tax exposure) if they buy the same or substantially same securities in the 30 days before the loss or the 30 days after.</p><p><blockquote>IRS的“洗售规则”本质上阻止投资者在损失前30天或损失后30天内购买相同或基本相同的证券时遭受资本损失（从而减少他们的税务风险）。</blockquote></p><p>Metras said this rule increases tax bills every year -- and he's expecting the same this year. Many clients playing the market "don't realize that they can't deduct those loses and they have a ton of gains on paper. I see that every year, especially with platforms that make it super easy to trade a lot like Robinhood," he said.</p><p><blockquote>Metras表示，这项规定每年都会增加税单，他预计今年也会如此。许多参与市场的客户“没有意识到他们无法扣除这些损失，而他们在纸面上有大量收益。我每年都会看到这种情况，尤其是像Robinhood这样让交易变得超级容易的平台，”他说。</blockquote></p><p>Robinhood does notify users about the wash sale rule in its help center, a spokesman noted.</p><p><blockquote>一位发言人指出，Robinhood确实在其帮助中心通知用户有关清洗销售规则。</blockquote></p><p><b>Crypto concerns 'People are going to be left holding a bag and owing taxes'</b></p><p><blockquote><b>加密货币担忧“人们将背着包并欠税”</b></blockquote></p><p>There are parallels between 2021 and the recent past, said Jordan Bass, a CPA at his Los Angeles-based accounting firm, Taxing Cryptocurrency, and a tax attorney specializing in digital assets.</p><p><blockquote>洛杉矶会计师事务所负责加密货币征税的注册会计师、专门从事数字资产的税务律师乔丹·巴斯(Jordan Bass)表示，2021年与最近的过去有相似之处。</blockquote></p><p>Bitcoin experienced a significant drop in early 2018, Bass said. "The cascading effect of prices depreciating and people selling and panic selling is still there and people are going to be left holding a bag and owing taxes. It's a similar concept with equities."</p><p><blockquote>巴斯表示，比特币在2018年初经历了大幅下降。“价格贬值、人们抛售和恐慌性抛售的连锁效应仍然存在，人们将背着袋子并欠税。这与股票的概念类似。”</blockquote></p><p>‘The cascading effect of prices depreciating and people selling and panic selling is still there and people are going to be left holding a bag and owing taxes.’”— Jordan Bass, founder of Taxing CryptocurrencyLike stocks, capital gains taxation apply to crypto -- and the IRS is keen on making sure anyone using cryptocurrency is paying their full tab.</p><p><blockquote>“价格贬值、人们抛售和恐慌性抛售的连锁效应仍然存在，人们将背着袋子并欠税。”——加密货币征税创始人乔丹·巴斯（Jordan Bass）与股票一样，资本利得税也适用于加密货币——美国国税局热衷于确保任何使用加密货币的人都支付全额费用。</blockquote></p><p>People who have tax bills they can't pay have several options. They can arrange installment agreements or they can try to arrange an "offer in compromise" with the IRS. For these offers, the tax collector will accept less than the full liability, but there are a string of caveats. (Read more about those rules here.)</p><p><blockquote>有付不起税单的人有几种选择。他们可以安排分期付款协议，也可以尝试与国税局安排“妥协提议”。对于这些提议，税务员将接受少于全部责任，但有一系列警告。（在此处阅读有关这些规则的更多信息。）</blockquote></p><p>When some crypto investors get in a tax bind, Bass said it's not that they can't afford to settle their tab if they started to liquidate. It's that they're not willing, because they think the market that went down will come back up again -- and soon.</p><p><blockquote>巴斯表示，当一些加密货币投资者陷入税务困境时，如果他们开始清算，并不是说他们无力支付账单。而是他们不愿意，因为他们认为下跌的市场会再次上涨——而且很快。</blockquote></p><p>"If they bet correctly and the market does come back, yes, that's brilliant. But if they bet incorrectly, it's not. The reason why I say the word 'bet' is because it's almost like a gamble," Bass said.</p><p><blockquote>“如果他们赌对了，市场确实回来了，是的，那太棒了。但如果他们赌错了，那就不是了。我之所以说‘赌’这个词，是因为这几乎就像一场赌博，”Bass说。</blockquote></p><p>Bitcoin owners are hoping for a jump back to over $55,000 in six months, according to a Morning Consult poll on Tuesday.</p><p><blockquote>根据Morning Consult周二的一项民意调查，比特币车主希望在六个月内价格回升至55,000美元以上。</blockquote></p><p>GameStop, meanwhile, was a turning point for Gutierrez. He still contributes to his 401(k), but he's built up his cryptocurrency holdings, including in DeFi. He mostly buys and holds, as an investment strategy and a tax consideration to avoid higher taxes from short-term capital gains.</p><p><blockquote>与此同时，游戏驿站是Gutierrez的转折点。他仍然向401(k)缴款，但他已经增加了加密货币持有量，包括DeFi。他主要购买并持有，作为一种投资策略和税收考虑，以避免短期资本收益产生更高的税收。</blockquote></p><p>Looking back, the GameStop run up "was definitely the perfect gateway drug into the rest of this," Gutierrez said, adding, "I'm in it for the long run."</p><p><blockquote>回顾过去，游戏驿站的上涨“绝对是进入其他领域的完美入门药物，”古铁雷斯说，并补充道，“我将长期参与其中。”</blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.marketwatch.com/story/the-partys-over-for-amc-and-gamestop-investors-but-the-luckier-meme-stock-winners-are-now-bracing-for-a-massive-tax-bill-11643861101?mod=mw_latestnews\">MarketWatch</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"GME":"游戏驿站","BK4108":"电影和娱乐","BK4547":"WSB热门概念","AMC":"AMC院线","BK4076":"电脑与电子产品零售"},"source_url":"https://www.marketwatch.com/story/the-partys-over-for-amc-and-gamestop-investors-but-the-luckier-meme-stock-winners-are-now-bracing-for-a-massive-tax-bill-11643861101?mod=mw_latestnews","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2209088340","content_text":"'I think the meme stockers don't actually know about their problem yet,' said Matt Metras, an enrolled agent with MDM Financial ServicesIs the IRS going to be the buzzkill on last year’s meme stock frenzy?When Jason Gutierrez kept refreshing GameStop's performance between work tasks during the wild, early days of 2021, he admits future tax obligations weren't his No. 1 priority.\"It was in the back of my mind. If I come out huge, I have to pay it,\" said the 32-year-old Greenville, S.C. mechanical engineer.Gutierrez's approximate $3,500 to $4,000 wager on GameStop was his first attempt at stock picking after he contributed to his 401(k)'s target date fund, and took advantage of the company match.At one point, he was up by $4,500 to $5,000, but Gutierrez ended up selling most of his GameStop shares in late February and early March, eking out a loss less than $1,000.That's pretty much a wash in his view. In the following months, Gutierrez tucked up to $1,000 in a savings account just in case he had to cover any additional taxes.He still holds a small amount of GameStop, just for the good memories of a \"whirlwind\" time.Gutierrez was almost one of the lucky ones. A year ago, the short squeeze on stocks like GameStop and AMC became a social-media phenomenon and Wall Street morality play wrapped into one pandemic-era event.Now, the early 2021 trading frenzy could represent something else: a lesson for new retail investors on the perils of bad tax planning.Future taxes weren’t exactly what Jason Gutierrez was thinking about in the heights of the early 2021 GameStop saga.If someone bought and sold last year, but plowed all their profits from meme stocks and cryptocurrency back into the market -- without putting aside cash for taxes on the capital gains -- they may have a smaller 2022 portfolio to pay for a 2021 tax bill.After hitting a share price high of $324 in late January, GameStop stock closed Wednesday at $100.11. In several price spikes last year, AMC jumped from $3.51 to $13.26 in January, soaring to $59.26 in mid-June; the stock closed Wednesday at $15.40.Meanwhile, the value of bitcoin plummeted from nearly $64,000 in early November and now hovers below $40,000. In that same span, ethereum dropped from close to $5,000 to less than $3,000.This is coinciding with the income-tax season. The IRS wants taxpayers to pay tax liabilities by April 18.The concern, some financial experts say, is there may be too many others who didn't have the same foresight, causing their good memories to turn bad.\"We're worried that some of these newer individual investors might be receiving a tax bill that they aren't prepared for,\" said Lindsey Bell, chief markets and money strategist at Ally, a financial-services company with banking, lending and broker offerings.‘We’re worried that some of these newer individual investors might be receiving a tax bill that they aren’t prepared for.’”— Lindsey Bell, chief markets and money strategist at AllyHere's one sign of the times: A 60% year-over-year increase in the size of the estimated tax payments that Ally bank customers sent to the IRS for the fourth quarter.\"The largest component of that, based on our own analysis, is likely the payments related to stock gains,\" Bell said.\"I think the meme stockers don't actually know about their problem yet,\" said Matt Metras, an enrolled agent with MDM Financial Services, a Rochester, N.Y.-based tax preparation and bookkeeping firm with a specialty in cryptocurrency.That will happen once their brokerage platforms send along tax forms recording the person's stock-market proceeds and losses, he noted. \"That's when I think they are going to be in for a surprise.\"These forms are on the way. Robinhood users can access their 1099s in mid-February, a spokesman said. TD Ameritrade has been sending its 1099s since mid-January and will wrap the process in the coming weeks, a spokeswoman said. Charles Schwab Corp., where Gutierrez traded, will make the forms available online by the end of the first week in February.Some but not all cryptocurrency exchanges send tax forms to users, Metras noted. The recently passed infrastructure bill requires people and entities who regularly carry out digital-asset transfers to report those transactions to the IRS. The hotly disputed reporting requirements are scheduled to take effect in 2024.IRS rules on selling stocksIt's tough to say how many people will find themselves in a jam. On one hand, with the pandemic giving rise to the \"retail bro,\" 10 million new brokerage accounts were opened in 2020, according to J.D. Power, a consumer analytics firm.On the other hand, as companies like GameStop and AMC briefly reached the stratosphere, it was in no small part thanks to the buy-and-hold strategy from people on Reddit's WallStreetBets. That \"diamond hands\" approach could be a saving grace, come tax time.The tax on capital gains can be as much as 20% when the sale or \"realization\" happens at least one year after the purchase. (The tax is 0% for people making up to $40,4000 and 15% for individuals making between $40,400 and $445,850, the IRS says)If the purchase and sale happens within a year, however, that's a short-term capital gain and the proceeds count as ordinary income. That's subject to income tax brackets which can run up to 37%.The IRS \"wash sale rule\" essentially blocks investors from taking a capital loss (which reduces their tax exposure) if they buy the same or substantially same securities in the 30 days before the loss or the 30 days after.Metras said this rule increases tax bills every year -- and he's expecting the same this year. Many clients playing the market \"don't realize that they can't deduct those loses and they have a ton of gains on paper. I see that every year, especially with platforms that make it super easy to trade a lot like Robinhood,\" he said.Robinhood does notify users about the wash sale rule in its help center, a spokesman noted.Crypto concerns 'People are going to be left holding a bag and owing taxes'There are parallels between 2021 and the recent past, said Jordan Bass, a CPA at his Los Angeles-based accounting firm, Taxing Cryptocurrency, and a tax attorney specializing in digital assets.Bitcoin experienced a significant drop in early 2018, Bass said. \"The cascading effect of prices depreciating and people selling and panic selling is still there and people are going to be left holding a bag and owing taxes. It's a similar concept with equities.\"‘The cascading effect of prices depreciating and people selling and panic selling is still there and people are going to be left holding a bag and owing taxes.’”— Jordan Bass, founder of Taxing CryptocurrencyLike stocks, capital gains taxation apply to crypto -- and the IRS is keen on making sure anyone using cryptocurrency is paying their full tab.People who have tax bills they can't pay have several options. They can arrange installment agreements or they can try to arrange an \"offer in compromise\" with the IRS. For these offers, the tax collector will accept less than the full liability, but there are a string of caveats. (Read more about those rules here.)When some crypto investors get in a tax bind, Bass said it's not that they can't afford to settle their tab if they started to liquidate. It's that they're not willing, because they think the market that went down will come back up again -- and soon.\"If they bet correctly and the market does come back, yes, that's brilliant. But if they bet incorrectly, it's not. The reason why I say the word 'bet' is because it's almost like a gamble,\" Bass said.Bitcoin owners are hoping for a jump back to over $55,000 in six months, according to a Morning Consult poll on Tuesday.GameStop, meanwhile, was a turning point for Gutierrez. He still contributes to his 401(k), but he's built up his cryptocurrency holdings, including in DeFi. He mostly buys and holds, as an investment strategy and a tax consideration to avoid higher taxes from short-term capital gains.Looking back, the GameStop run up \"was definitely the perfect gateway drug into the rest of this,\" Gutierrez said, adding, \"I'm in it for the long run.\"","news_type":1,"symbols_score_info":{"AMC":1,"GME":1}},"isVote":1,"tweetType":1,"viewCount":2562,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":43,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/633596042"}
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