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longbridge-tax-harvesting

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Original

English
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Translation

Chinese

longbridge-tax-harvesting

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.
仅基于提示词的分析技能。扫描账户持仓以识别未实现亏损，计算变现每笔亏损的潜在节税额，标记洗售风险，并推荐经济属性相似的替代证券。仅适用于美股（遵循美国税务规则）。仅可读——不进行下单操作。
回复语言：匹配用户输入语言——简体中文 / 繁体中文 / 英文。

When to use

使用场景

  • "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"
  • "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

重要说明

  • 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.
  • 仅适用于美国税务规则：洗售规则（美国国税局第1091条）适用于交易美股的美国投资者。不适用于港股、A股或其他无类似规则的市场。
  • 需要交易权限：获取成本基准数据需通过
    longbridge auth login
    登录并授予Trade权限。
  • 不构成税务建议：执行操作前请务必咨询合格税务专业人士。

Workflow

工作流程

  1. Fetch all positions including cost basis (average cost).
  2. Fetch current prices for all positions.
  3. Compute unrealised gain/loss per position.
  4. Filter to positions with unrealised losses.
  5. For each loss position, compute potential tax saving (loss × estimated marginal tax rate).
  6. Flag wash-sale risk (any purchase of the same or substantially-identical security within 30 days before or after the sale).
  7. Suggest substitute securities that maintain similar market exposure.
  8. Rank opportunities by tax saving magnitude.
  1. 获取包含成本基准（平均成本）的所有持仓。
  2. 获取所有持仓的当前价格。
  3. 计算每笔持仓的未实现盈亏。
  4. 筛选出存在未实现亏损的持仓。
  5. 针对每笔亏损持仓，计算潜在节税额（亏损额 × 预估边际税率）。
  6. 标记洗售风险（出售前后30天内是否购买过相同或实质相同的证券）。
  7. 推荐能维持相似市场敞口的替代证券。
  8. 按节税额大小排序机会。

CLI

CLI

Run 
longbridge <subcommand> --help
to verify exact flags before calling.
bash
undefined
调用前请运行
longbridge <subcommand> --help
确认具体参数。
bash
undefined

Positions with cost basis

包含成本基准的持仓

longbridge positions --format json
longbridge positions --format json

Current prices (run concurrently for each symbol)

当前价格（为每个代码并行运行）

longbridge quote <SYMBOL> --format json
undefined
longbridge quote <SYMBOL> --format json
undefined

Calculations

计算方式

QuantityMethod
Unrealised loss(Current price − Average cost) × Quantity
Tax saving estimate
Holding periodToday − position open date (if available); classify short-term (<1yr) or long-term (≥1yr)
Wash-sale window30 days before + 30 days after the sale date
指标计算方法
未实现亏损(当前价格 − 平均成本) × 持仓数量
预估节税额
持有期限今日 − 持仓开仓日期（若有数据）；分为短期（<1年）或长期（≥1年）
洗售窗口期出售日前30天 + 出售日后30天

Substitute Securities

替代证券

When suggesting substitutes to avoid wash-sale, recommend securities that are economically similar but not "substantially identical":
OriginalExample 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 stockSector ETF covering the same industry
Always note that substitute suitability depends on investor-specific factors; these are illustrative only.
为规避洗售规则推荐替代证券时，需选择经济属性相似但并非“实质相同”的证券：
原证券替代证券示例（同行业，不同发行方）
AAPL（科技）MSFT、GOOGL，或科技ETF如QQQ
SPY（标普500 ETF）IVV或VOO（不同基金家族）
XOM（能源）CVX、SLB，或XLE ETF
个股覆盖同一行业的行业ETF
请注意，替代证券的适用性取决于投资者的具体情况；以上仅为示例。

Output template

输出模板

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.
税损收割分析 — 来源：Longbridge Securities
日期：<今日>  账户：美股证券

[存在未实现亏损的持仓]
代码    成本基准   当前价格   未实现亏损  持有期限   预估节税额
TSLA.US $280.00    $210.00    −$7,000    8个月      ~$2,590（37%税率）
XOM.US  $120.00    $108.00    −$1,200    14个月     ~$240（20%税率）

[收割建议（按节税额排序）]
1. TSLA.US  卖出 → 变现−$7,000亏损 → 预估节税额~$2,590
   替代证券：RIVN.US / LCID.US / DRIV ETF（30天内避免回购TSLA）
   ⚠️ 若过去30天内购买过TSLA则存在洗售风险

2. XOM.US   卖出 → 变现−$1,200亏损 → 预估节税额~$240
   替代证券：CVX.US或XLE ETF

[洗售规则警示]
- 检查近期购买日期；出售后30天内请勿回购。
- 购买已出售股票的看涨期权也可能触发洗售规则。

⚠️ 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

错误处理

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-terminalFall 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.
场景简体回复繁体回复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-terminalFall 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.
无美股持仓账户中无美股持仓，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.
所有持仓均盈利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.
无法获取成本基准无法获取持仓成本，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

MCP回退方案

If 
longbridge
CLI is not installed, use MCP tools:
MCP toolCLI 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).
若未安装
longbridge
CLI，可使用MCP工具：
MCP工具CLI等效命令
mcp__longbridge__positions
longbridge positions
mcp__longbridge__quote
longbridge quote
MCP配置：
claude mcp add --transport http longbridge https://openapi.longbridge.com/mcp
（需
quote
+ 
trade_read
权限）。

Related skills

相关技能

  • Portfolio health-check → 
    longbridge-portfolio-diagnosis
  • Account order history → 
    longbridge-orders
  • Dividend history → 
    longbridge-fundamental
  • 投资组合健康检查 → 
    longbridge-portfolio-diagnosis
  • 账户订单历史 → 
    longbridge-orders
  • 股息历史 → 
    longbridge-fundamental

File layout

文件结构

longbridge-tax-harvesting/
└── SKILL.md          # prompt-only, US accounts only, read-only
longbridge-tax-harvesting/
└── SKILL.md          # 仅基于提示词，仅适用于美国账户，仅可读