longbridge-tax-harvesting

Original：🇺🇸 English

Translated

Tax-loss harvesting via Longbridge — identify unrealised-loss positions in the account, evaluate tax benefit of realising losses, suggest substitute securities to maintain market exposure (avoiding wash-sale rules), and track the 30-day wash-sale window. Suited for year-end US tax planning. Triggers: "税损收割", "亏损锁定", "wash sale", "税务规划", "节税", "税务优化", "年末税务", "未实现亏损", "稅損收割", "虧損鎖定", "稅務規劃", "節稅", "年末稅務", "未實現虧損", "tax loss harvesting", "wash sale", "tax planning", "realized loss", "unrealized loss", "tax optimization", "year-end tax", "substitute securities".

2installs

Sourcelongbridge/skills

Added on2026-05-13

NPX Install

npx skill4agent add longbridge/skills longbridge-tax-harvesting

SKILL.md Content

View Translation Comparison →

longbridge-tax-harvesting

Prompt-only analysis skill. Scans account positions for unrealised losses, calculates the potential tax saving from harvesting each loss, flags wash-sale risk, and suggests economically-similar substitute securities. Applies to US-listed securities only (US tax rules). Read-only — does not place orders.

Response language: match the user's input language — Simplified Chinese / Traditional Chinese / English.

When to use

"帮我做税损收割分析" / "稅損收割分析" / "tax-loss harvesting analysis"
"哪些持仓可以锁定亏损来节税" / "哪些持倉可以節稅" / "which positions can I harvest for tax losses"
"wash sale 规则是什么" / "wash sale 規則" / "explain wash sale rule"
"年末税务规划" / "年末稅務規劃" / "year-end tax planning"

Important Notes

US tax rules only: wash-sale rule (IRS Section 1091) applies to US investors trading US-listed securities. Not applicable to HK, A-share, or other markets without equivalent rules.
Requires Trade permission: cost basis data requires
```
longbridge auth login
```
with Trade scope.
Not tax advice: always consult a qualified tax professional before executing.

Workflow

Fetch all positions including cost basis (average cost).
Fetch current prices for all positions.
Compute unrealised gain/loss per position.
Filter to positions with unrealised losses.
For each loss position, compute potential tax saving (loss × estimated marginal tax rate).
Flag wash-sale risk (any purchase of the same or substantially-identical security within 30 days before or after the sale).
Suggest substitute securities that maintain similar market exposure.
Rank opportunities by tax saving magnitude.

CLI

Run

longbridge <subcommand> --help

to verify exact flags before calling.

bash

# Positions with cost basis
longbridge positions --format json

# Current prices (run concurrently for each symbol)
longbridge quote <SYMBOL> --format json

Calculations

Quantity	Method
Unrealised loss	(Current price − Average cost) × Quantity
Tax saving estimate
Holding period	Today − position open date (if available); classify short-term (<1yr) or long-term (≥1yr)
Wash-sale window	30 days before + 30 days after the sale date

Substitute Securities

When suggesting substitutes to avoid wash-sale, recommend securities that are economically similar but not "substantially identical":

Original	Example substitute (same sector, different issuer)
AAPL (tech)	MSFT, GOOGL, or a tech ETF like QQQ
SPY (S&P 500 ETF)	IVV or VOO (different fund family)
XOM (energy)	CVX, SLB, or XLE ETF
Individual stock	Sector ETF covering the same industry

Always note that substitute suitability depends on investor-specific factors; these are illustrative only.

Output template

Tax-Loss Harvesting Analysis — Source: Longbridge Securities
Date: <today>  Account: US Securities

[Positions with Unrealised Losses]
Symbol   Cost Basis  Current Price  Unreal. Loss  Hold Period  Tax Saving Est.
TSLA.US  $280.00     $210.00        −$7,000       8 months     ~$2,590 (37% rate)
XOM.US   $120.00     $108.00        −$1,200       14 months    ~$240 (20% rate)

[Harvest Recommendations (ranked by tax saving)]
1. TSLA.US  Sell → realise −$7,000 loss → estimated tax saving ~$2,590
   Substitute: RIVN.US / LCID.US / DRIV ETF (avoid repurchasing TSLA for 30 days)
   ⚠️ Wash-sale risk if TSLA was purchased in last 30 days

2. XOM.US   Sell → realise −$1,200 loss → estimated tax saving ~$240
   Substitute: CVX.US or XLE ETF

[Wash-Sale Warnings]
- Check recent purchase dates; do not repurchase within 30 days of sale.
- Purchasing a call option on the sold stock may also trigger wash-sale.

⚠️ 本分析仅供参考，不构成税务建议。请咨询持牌税务顾问。/ 本分析僅供參考，不構成稅務建議。請諮詢持牌稅務顧問。/ For reference only. Not tax advice. Consult a qualified tax professional.

Error handling

Situation	简体回复	繁體回復	English reply
`command not found: longbridge`	回退到 MCP；若也不可用，请安装 longbridge-terminal	回退到 MCP；若也不可用，請安裝 longbridge-terminal	Fall back to MCP; if unavailable, install longbridge-terminal.
stderr `not logged in`	请运行 `longbridge auth login` （需要 Trade 权限）	請運行 `longbridge auth login` （需要 Trade 權限）	Run `longbridge auth login` with Trade permission.
No US positions	账户中无美股持仓，税损收割仅适用于美股	賬戶中無美股持倉，稅損收割僅適用於美股	No US positions found; tax-loss harvesting applies to US stocks only.
All positions profitable	当前所有持仓均为浮盈，无税损收割机会	當前所有持倉均為浮盈，無稅損收割機會	All positions are profitable; no harvesting opportunities.
Cost basis unavailable	无法获取持仓成本，请检查账户权限	無法獲取持倉成本，請檢查賬戶權限	Cannot retrieve cost basis; check account permissions.

MCP fallback

If

longbridge

CLI is not installed, use MCP tools:

MCP tool	CLI equivalent
`mcp__longbridge__positions`	`longbridge positions`
`mcp__longbridge__quote`	`longbridge quote`

MCP setup:

claude mcp add --transport http longbridge https://openapi.longbridge.com/mcp

(

quote

+

trade_read

scopes).

Related skills

Portfolio health-check →
```
longbridge-portfolio-diagnosis
```
Account order history →
```
longbridge-orders
```
Dividend history →
```
longbridge-fundamental
```

File layout

longbridge-tax-harvesting/
└── SKILL.md          # prompt-only, US accounts only, read-only

longbridge-tax-harvesting

NPX Install

Tags

SKILL.md Content

longbridge-tax-harvesting

When to use

Important Notes

Workflow

CLI

Calculations

Substitute Securities

Output template

Error handling

MCP fallback

Related skills

File layout