Capital Gains — Guides & Insights from RDA

Capital gains is where most homeowners and HNI portfolios meet the tax code for the first time, and where the cost of getting it wrong is the largest of the year. The 2024 change to a flat 12.5% LTCG rate on most assets — and the parallel 20%-with-indexation route preserved for pre-July-2024 property — means the answer to “what will I owe?” depends on when you bought, not just when you sold. The pieces below walk through the maths cleanly, lay out the Section 54/54F/54EC exemptions and the bond-window pressure, and show how to plan the sale so the tax is built into the price you accept, not discovered afterwards.