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Ganancias y pérdidas de capital

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 26, 2023 9:37 AM
OVERVIEW

¿Qué es un activo de capital y cuánto tienes que pagar de impuestos cuando vendes uno y obtienes una ganancia? Averigua cómo reportar tus ganancias y pérdidas de capital en la declaración de impuestos con estos consejos de TurboTax.

 

Puntos clave

  • Una ganancia de capital es el beneficio que recibes cuando vendes un activo de capital, que es propiedad como acciones, bonos, acciones de fondos mutuos y bienes raíces.
  • Las ganancias de capital a corto plazo provienen de la venta de activos que tuviste durante un año o menos. Estas son gravadas típicamente con tasas de impuestos ordinarias, de hasta un 37 % en el 2023 y 2024.
  • Las ganancias de capital a largo plazo provienen de la venta de activos que tuviste durante más de un año. Estas son típicamente gravadas al 0 %, 15 % o 20 % para el 2023 y 2024, dependiendo de tu escala tributaria. 
  •  Una perdida de capital es una perdida en la venta de un activo de capital como acciones, bonos, acciones de fondos mutuos, bienes raíces y típicamente puede ser utilizada para reducir otras ganancias de capital u otros ingresos.

¿Qué es una ganancia de capital?

Según la ley fiscal, una ganancia de capital es la ganancia que obtienes cuando vendes un activo de capital, es decir, un bien, por ejemplo, acciones, bonos, acciones de fondos mutuos y bienes raíces. Se aplican reglas especiales a la venta de ciertos activos, como por ejemplo la venta de tu residencia principal.

¿Cuál es la diferencia entre una ganancia de capital a corto plazo y una a largo plazo?

Hay una gran diferencia. La ley fiscal divide las ganancias de capital en dos clases diferentes determinadas por el calendario.

  1. Las ganancias a corto plazo provienen de la venta de bienes que tuviste en tu poder durante un año o menos y tributan de acuerdo con la tasa de impuesto que le corresponde al contribuyente durante el año, que puede ser tan alta como 37 % en el 2022.
  2. Las ganancias a largo plazo derivan de la venta de bienes que conservaste durante más de un año y típicamente tributan a una tasa del 0 %, 15 % o 20 % en el 2022.

¿Qué es el período de retención?

Es el período durante el cual conservas el bien antes de venderlo. Para calcular el período de retención, el día en que compras el bien no cuenta, pero sí cuenta el día en que lo vendes.

Por lo tanto, si compraste una acción el 20 de marzo de 2022, tu período de retención comenzó el 21 de marzo de 2022. Así que, a fines de impuestos, el 20 de marzo de 2023 se cumpliría un año de retención.

  • Si lo hubieras vendido el 20 de marzo, habrías tenido una ganancia o pérdida de capital a corto plazo.
  • Si hubieras vendido un día después el 21 de marzo habrían producido consecuencias de impuestos a largo plazo, ya que habrías conservado el bien durante más de un año.

Nota de TurboTax:

Las perdidas en tus inversiones se utilizan primero para disminuir ganancias de capital del mismo tipo. Las pérdidas a corto plazo se restan primer de tus ganancias a corto plazo, y las pérdidas a largo plazo se restan primero de las ganancias a largo plazo.

¿Cuánto tengo que pagar?

La tasa de impuesto que pagas en depende de si tu ganancia es a corto plazo o a largo plazo.

  • Las ganancias a corto plazo se gravan a la tasa de impuesto máxima, al igual que tu salario (hasta el 37 %) e, incluso, podrían estar sujetas a un recargo adicional del 3.8 % por Medicare, según tu nivel de ingresos.
  • El tratamiento que se les da a las ganancias a largo plazo es mucho mejor. Las ganancias a largo plazo se gravan a una tasa del 0 %, 15 % o 20 dependiendo de tu ingreso tributable y estado civil para efectos de declaración.
  • Las ganancias a largo plazo sobre artículos de colección (como estampillas, antigüedades y monedas) se gravan a una tasa del 28%, o a tu tasa ordinaria de impuestos sobre los ingresos si esta menor.
  • Las ganancias sobre bienes inmuebles que se pueden atribuir a la depreciación (ya que las deducciones por depreciación reducen la base de costo y, además, aumentan tu ganancia dólar por dólar) se gravan a una tasa del 25%, o a tu tasa ordinaria de impuestos sobre los ingresos si esta menor.
  • Es posible que las ganancias a largo plazo derivadas de la venta de acciones por parte de hijos menores de 19 años (menores de 24 años si son estudiantes) no califiquen para la tasa del 0% debido a las reglas del impuesto sobre los ingresos de hijos menores (Kiddie Tax). (Cuando se aplican estas reglas, es posible que las ganancias del hijo se graven a las tasas más altas de los padres).

¿Qué es una pérdida de capital?

Una pérdida de capital es una pérdida sobre un activo de capital, por ejemplo, acciones, bonos, fondos mutuos o bienes inmuebles. Al igual que sucede con las ganancias de capital, las pérdidas de capital se dividen por el calendario en pérdidas a corto plazo y a largo plazo.

¿Puedo deducir mis pérdidas de capital?

Sí, pero existen límites. Las pérdidas derivadas de tus inversiones se usan primero para compensar ganancias de capital del mismo tipo. Por lo tanto, las pérdidas a corto plazo se deducen primero de las ganancias a corto plazo, y las pérdidas a largo plazo, de las ganancias a largo plazo. Las pérdidas netas, independientemente del tipo, se pueden deducir del otro tipo de ganancia. Por ejemplo:

  • Si tienes una pérdida a corto plazo de $2,000 y una ganancia a corto plazo de solo $1,000, la pérdida neta a corto plazo de $1,000 se puede deducir de la ganancia neta a largo plazo (suponiendo que tienes una).
  • Si tienes una pérdida de capital neta general en el año, puedes deducir hasta $3,000 de esa pérdida de otros tipos de ingresos, incluso de tu salario y de los ingresos por intereses.
  • Toda pérdida de capital neta en exceso se puede trasladar a años subsiguientes para deducirla de ganancias de capital y de hasta $3,000 de otros tipos de ingresos.
  • Sin embargo, si eres casado y presentas tu declaración por separado, el límite anual de deducción de pérdidas de capital netas es de solo $1,500.

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Y, si quieres preparar y presentar los impuestos por ti mismo, puedes tener la certeza de que lo harás bien con TurboTax en español , ya que te guiaremos paso a paso. Independientemente de la forma en que realices la presentación, garantizamos un 100 % de precisión y el máximo reembolso correspondiente.

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  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TURBOTAX DESKTOP DISCLAIMERS

  • Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.

  • TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connection. Desktop add-on products and services purchased are non-refundable.

  • Fastest Refund Possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.

  • Average Refund Amount: $3,207 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 16, 2024 and may not reflect actual refund amount received.

  • TurboTax Technical Support: Customer service and technical support hours and options vary by time of year.

  • Deduct From Your Federal Refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee applies to this payment. method. Prices are subject to change without notice.

  • Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2022 and higher) and QuickBooks Desktop (2023 and higher); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.

  • Live Tax Advice: Access to tax experts to obtain answers to tax questions and to assist with tax year 2024 return(s) prepared with TurboTax Desktop software. Additional fees apply. Must be purchased and used by October 31, 2025. Excludes TurboTax Desktop Business. See License Agreement for details.

  • Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

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