Dividend Vision Academy
Taxes
How dividend income and fund distributions are taxed. These guides explain qualified vs. ordinary dividends, return of capital, and the tax rules that quietly shape your real, after-tax yield — so there are no surprises at filing time.
Taxes
Qualified Dividends
A qualified dividend is taxed at the lower long-term capital-gains rates (0%, 15%, or 20%) instead of ordinary income rates — but only if the payer qualifies and you meet a holding-period rule.
Taxes
Return of Capital
Return of capital is a fund distribution that isn't income or a realized gain — it hands back part of your own investment and lowers your cost basis, which can defer taxes but is often misunderstood.
Taxes
Tax-Loss Harvesting
Tax-loss harvesting means selling a position at a loss to offset capital gains and up to $3,000 of ordinary income a year — while swapping into a similar-but-not-identical ETF to stay invested and avoid the wash-sale rule.
Ready to apply what you've learned?
Analyze a portfolio, compare funds, or screen for income — with the concepts from these guides built in.