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📊 2025 Tax Rules for Stocks: What Murrieta and Temecula Investors Need to Know


If you invest in stocks and live in Murrieta, Temecula, or the surrounding areas of Southwest Riverside County, it’s important to understand how the 2025 tax rules impact your investments. At Superior Virtual Bookkeeping LLC, based right here in Murrieta, CA, I help individuals and small business owners stay compliant and tax-smart with their investment decisions.


💡 Capital Gains Taxes in 2025

Capital gains taxes apply when you sell stocks for a profit. The rate depends on how long you held the stock and your overall income level.


🕒 Long-Term Capital Gains (Held Over One Year)

  • 0% Rate

    • Single: Up to $48,350

    • Married filing jointly: Up to $96,700

  • 15% Rate

    • Single: $48,351 – $533,400

    • Married filing jointly: $96,701 – $600,050

  • 20% Rate

    • Single: Over $533,400

    • Married filing jointly: Over $600,050


⚡ Short-Term Capital Gains (Held One Year or Less)

Taxed as ordinary income, with rates ranging from 10% to 37% depending on your total taxable income.


💼 Additional Stock Tax Considerations

Net Investment Income Tax (NIIT):If your Modified Adjusted Gross Income is above $200,000 (single) or $250,000 (married filing jointly), an extra 3.8% tax may apply.


Special Assets:

  • Collectibles: Taxed up to 28%

  • Qualified Small Business Stock (QSBS): Up to 50% gain exclusion

  • Depreciated Real Estate (Section 1250): Gains taxed up to 25%


✅ Smart Tax Strategies for Murrieta & Temecula Investors

To reduce your tax bill in 2025:


  1. Hold Stocks Longer – Benefit from lower long-term capital gains rates.

  2. Harvest Losses – Offset gains by selling underperforming investments.

  3. Invest Through IRAs or 401(k)s – Grow your portfolio tax-deferred.

  4. Monitor Income Thresholds – Keep an eye on your tax bracket to avoid additional surcharges.


📍 Local Bookkeeping & Tax Help in Murrieta and Temecula

At Superior Virtual Bookkeeping LLC, I work one-on-one with clients in Murrieta, Temecula, Wildomar, Menifee, Lake Elsinore, and surrounding communities. Whether you're a casual investor or building serious wealth through the stock market, I help you:


  • Track gains and losses

  • Stay compliant with federal and California tax laws

  • Strategize to keep more of your investment income


🤝 Ready for Personalized Tax Support?

If you're looking for a local expert in investment taxes and bookkeeping in Murrieta or Temecula, let's connect. As a solo business owner, I take pride in offering high-touch service that big firms just can’t match.


📞 (951) 440-3498 - Schedule a consultation today with Superior Virtual Bookkeeping LLC, your local bookkeeping partner in Southwest Riverside County.


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