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New Member
posted Jun 6, 2019 12:37:52 AM

My mutual fund gained $177 in value for 2018 but the long term capital gain was $1984. How can this be?

It doesn't make sense that the capital gain was much, much higher than the fund earn as a total for the year.

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1 Best answer
Expert Alumni
Jun 6, 2019 12:37:55 AM

When a mutual fund sells investments inside the fund, it realizes capital gains and losses.  The fund could be selling investments that it has held for a long time with very significant gains.  The investments sold could have even decreased during 2018, and have been sold for a large gain, nonetheless.  It sounds like your fund had a fair amount of that.  By law, mutual funds are required to distribute virtually all of the net capital gains (and dividends) to shareholders.


4 Replies
Level 15
Jun 6, 2019 12:37:54 AM

that's how it goes with mutual funds. You're better off avoiding their fees and making your own investment decisions.

Expert Alumni
Jun 6, 2019 12:37:55 AM

When a mutual fund sells investments inside the fund, it realizes capital gains and losses.  The fund could be selling investments that it has held for a long time with very significant gains.  The investments sold could have even decreased during 2018, and have been sold for a large gain, nonetheless.  It sounds like your fund had a fair amount of that.  By law, mutual funds are required to distribute virtually all of the net capital gains (and dividends) to shareholders.


New Member
Jun 6, 2019 12:37:57 AM

Thanks, David

Expert Alumni
Jun 6, 2019 12:37:58 AM

You're welcome.  Thanks for using TurboTax!!