Get your taxes done using TurboTax

say 1 year ago you bought 15 shares of MFST that you sold at a loss on 3/25

during the 30-day period before and after the sale you bought only 7 shares. then the wash sale rules would only apply to 7 shares and that loss would then be added pro-rata to the 3 shares purchased on 3/8

and the 4 shares purchased on 3/30. the loss on the other 8 shares should be allowed since apparently there were no replacement shares acquired. however, there are outside possibilities. if you had an IRA account with Fidelity and bought 8 shares of MSFT during the 61 day wash sale period, then the wash sale applies to the 8 shares in the iRA. you get no adjustment to basis for the iRA shares. that loss is permanently lost. if you were married and your spouse had a separate account at Fidelity and bought 8 shares of MSFT during the wash sale period, the wash sale rule would apply to those 8 shares. 

 

 

if not contact Fidelity. they are the only ones who can accurately answer your question.