Capital gains timing as of · 217

In a household notebook, Capital gains timing is judged from . The line is “Behaviour is a rate” and the figure in the sum is 1. A blinking gain on a screen is not the reason. Money without a date is storytelling. Compounding and discounting both need a clock.

When you sell can change after-tax compounding as much as what you own — holding periods, lots and wrappers. Capital-gains timing is about when gains are realised into the tax system — a first-class lever on the after-tax rate that actually compounds. Capital gains timing sits in the engines family of this atlas: mechanisms first, products second, hype never.

Use the calculator for scenarios, then return to the section pages when you want the vocabulary behind the curve. What is capital gains timing in one sentence? No. Tool-Lifes pages are educational atlases. Decisions need your goals, constraints and, when appropriate, a licensed adviser.

Do I need a high return for compounding to matter? Higher net rates help, but time and contributions often dominate — especially early. Costs and behaviour can erase a “good” rate. Treat outputs as scenario sketches. Vary contribution, rate, fees and inflation to see which lever moves your goal date.

For Capital gains timing in , the figure that stays is 1, named “Behaviour is a rate.” Sparkle is not a figure.1

Figures to keep

Year of the rule: 1
Figure in the sum: 1
Item: Capital gains timing
Reason kept: Behaviour is a rate

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