Opportunity BasketTaxLot Bond Yield Calculator & Tax-Loss Harvesting Service
A white-glove calculation and advisory service where retail investors and small RIAs submit their bond holdings (coupon rate, purchase price, tax bracket, holding period, fees paid) via a simple form or spreadsheet upload. A small team of CFAs or tax-credentialed analysts calculates net after-tax yield, identifies tax-loss harvesting opportunities specific to each bond's embedded gain/loss, and delivers a prioritized action report showing which bonds to hold, sell, or swap. The service operates on a per-portfolio audit model, not a platform.
29 weeks • 70% confidence
Value Proposition
Eliminates spreadsheet guesswork and fragmented tool-hopping. Delivers a human-reviewed, tax-optimized action plan tailored to the investor's specific tax situation, not generic yields. Typically uncovers $2k–$15k in tax savings per portfolio via harvesting alone, paying for itself in one year.
Target Audience
Individual investors with $250k–$5M in bonds; small RIAs (1–10 advisors) managing client bond allocations; high-net-worth individuals in top tax brackets
Key Features
- Intake form captures coupon, purchase price, cost basis, holding period, marginal tax rate, state taxes, and custodian fees
- Analyst calculates net yield after federal + state income tax, capital gains tax on accrued interest, and embedded gains/losses
- Tax-loss harvesting scan identifies bonds with embedded losses that can offset gains elsewhere in portfolio
- And more, with full implementation detail...
Tech Stack
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Sign up freeOriginal Problem
Individual investors struggle to accurately calculate after-tax bond yields and net coupon returnsRetail investors and financial analysts lack clear, accessible methods to calculate net bond coupon yields after accounting for taxes, fees, and market conditions. Current financial tools and documentation are fragmented or overly complex, forcing people to manually piece together calculations or rely on incomplete spreadsheets, leading to poor investment decisions and potential tax inefficiency.
Score: 46.5%