One Follow up question:
Do my unrealized gains/losses (& fees) factor into the state taxes I should pay?
As I mentioned, I've not yet sold any of the mutual fund shares purchased in my HSA. At the end of 2019, my account shows an $850 loss (unrealized) considering Total Market Value versus Total Cost Basis. Am I taxed on the full $2000 of earnings even though I have $850 of losses on the shares purchased? Also, can I deduct the $37 of fees charged to my account in 2019?
