Why sign in to the Community?

  • Submit a question
  • Check your notifications
Sign in to the Community or Sign in to TurboTax and start working on your taxes
New Member
posted Jan 23, 2025 3:57:12 PM

is a mutual fund taxable

I have money in a mutual fund but did not withdraw anything ....do I have to report the interest

0 2 501
2 Replies
Level 15
Jan 23, 2025 4:18:52 PM

Unless the fund is in a retirement account you have to report that income. 

Level 15
Jan 23, 2025 4:35:28 PM

Sometimes.  You will get a tax statement from the fund manager, that combines a 1099-INT, 1099-DIV and 1099-B.  If the fund buys and sells shares of different stocks, that can create capital gains or losses that are reported on a 1099-B.  Dividends are reported on a 1099-DIV.  Sometimes the dividends are reinvested and not immediately taxable, sometimes they are taxable to you when paid.  Any money funds that pay interest will be reported on a 1099-INT and that is also taxable to you, even if the interest and dividends are re-invested to buy more shares.

 

However, you won't pay taxes twice.  If you pay taxes on the interest and dividends that are used to buy more shares, you have a basis in those shares, so you will only pay tax later on any gain in share price.