收入越高，long term capital gains 越重要，高收入聯邦稅率隻有15%，20%。

Long-term capital gains tax rates for the 2023 tax year

FILING STATUS	0% RATE	15% RATE	20% RATE
Single	Up to $44,625	$44,626 – $492,300	Over $492,300
Married filing jointly	Up to $89,250	$89,251 – $553,850	Over $553,850
Married filing separately	Up to $44,625	$44,626 – $276,900	Over $276,900
Head of household	Up to $59,750	$59,751 – $523,050	Over $523,050

Source: Internal Revenue Service