Taxes on stocks and dividend reinvestment plans

Apr 16, 2007 2 Replies

I am fairly green when it comes to an understanding of taxes with stock ownership and I am wondering if someone here can answer these simple questions for me.



If I own a stock and it doubles in value by the end of the tax year but I don't sell the stock, do I still have to pay taxes on the value gained on the stock that very year or do I only have to pay taxes on it the year that I actually sell the stock if I make a profit off the sell?



If I have a dividend reinvestment plan setup with my brokerage firm do I need to pay taxes on those dividend disbursements at the end of that year or only after I sell the stocks? At some other point?



Thanks for your help!



You pay taxes on the stock you sell in the year you sell it. The amount on which you are taxed is the difference between the sales price and the "cost basis" for that stock, which is the amount you paid for it.

Each dividend is taxable when you receive it. If you use that dividend to buy more stock, it's just as if you used cash to buy the same amount of stock.

Only when you sell.

Tax on dividends are paid every year.

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