Investment Strategies

Free CFP Exam lesson in Investment Planning. 16 min read, ~2,366 words.

Wash sale: 30 days before + sale day + 30 after = 61-day window, applied across ALL accounts including IRAs. An IRA repurchase permanently disallows the loss (not deferred, destroyed forever). Buy-and-hold is the most tax-efficient strategy: deferral, short-to-long rate conversion, and step-up at death that can eliminate the gain...