u/Louis_Dakine

70% of my portfolio is in a taxable brokerage. The overall gain for the account is over 100%, but many lots have less than 20% gain. As I build my retirement paycheck, I would sell these low-gain lots first (and save the high-gain lots to be stepped-up for my heirs). Rather than just specify one cost basis for the entire account in PL, is there a good way to model this "sell low-gain lots first" approach? Thanks for any advice.