Tax-Efficient Investing

With PNC Investments

Check Out PNCI’s Tax-Managed Resources

When it comes to investing, tax savings can be just as important as returns.

With PNCI’s Tax-Managed Investing Resources, you can gain the knowledge and confidence to address the impacts associated with having to pay income or capital gains taxes on your investments.

Plus, with this newfound knowledge, you can effectively work with your trusted professionals to come up with strategies aimed at minimizing potential drags on your long-term returns.[1]

Below, you’ll see some links to education and potential strategies that you can use to help you be more tax-efficient and help set you on the path to reaching your long-term investment goals in the most tax-efficient way.

Learn more about how PNCI’s Tax-Managed Resources can help you achieve your long-term investment goals in a tax-efficient way!

Tax-Deferred Investments

Tax-deferral is a simple way of paying your taxes later rather than paying them now.

Realized Capital Gains

Selling a capital asset creates capital gains. How can I reduce my tax bill?

Investment Selection

PNCI shares examples of investments that may help you reduce your tax bill.

Tax Overlay

The PNCI Tax Overlay Service allows investors to coordinate taxes across separately managed accounts (SMAs), establish tax budgets, and even defer taxable gains for set periods of time for an additional fee.

Tax-Loss Harvesting

Tax-loss harvesting – offsetting capital gains with capital losses – may lower your tax bill and better position your portfolio going forward.

Asset Location

Coordinating investment strategies across different account types may improve investor outcomes.

Tips & Tools for the Tax-Efficient Investor

If you have money invested in stocks, bonds or funds in a taxable brokerage or advisory account, you probably already know that many of those investments produce taxable income from time to time. You also probably know that when you sell an investment, you often times must pay taxes on realized taxable gains – that is, the difference between what you paid for the investment and what you sold it for.

Taxes can eat away at your long-term returns

What we do know is that taxes can have a negative impact on your overall portfolio performance. In fact, Morningstar estimates that taxes can cost you up to 2%[2] in returns over your expected investing time horizon. That type of tax liability can take a huge bite out of your potential investment performance over time.

Knowing your options is half the battle

Paying special attention to the tax implications of your investments can be beneficial in the long run and knowing your options can help put you on the path to achieving the best possible after-tax returns.

Working with PNC Investments

Neither PNC Investments nor your Financial Advisor provide tax advice. If you are considering a tax-managed strategy or service, you should review your tax situation with your own independent tax professional to fully evaluate how you may benefit.



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