Joint account earnings can be split 50/50 or in whichever proportions as the joint account holders agree.
If you report 100% of the capital gains, then your fiance does not report anything on her tax return.
There should be a primary SSN that the account is associated with, and IRS
will match that with whoever's SSN it is. So whoever's return it goes
on, or does not go on, make sure 100% is reported to IRS between the
two returns. Also due to IRS matching this document, you may get a letter a year or two and may have to explain to them, how it was reported. So keep the tax documents in your tax records for at least 3 years.
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