How to Limit Taxes on Capital Gains in Retirement

Check to see if you qualify for the 0% capital-gains tax rate.

"My wife and I are retired and need money from our mutual funds. What will we pay in taxes?"

Depending on your income, you might not have to pay any taxes on your gains. The on-again, off-again 0% long-term capital gains rate for taxpayers in the 10% and 15% tax brackets has been made permanent—and that could benefit a lot of retirees.

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Sandra Block
Senior Editor, Kiplinger's Personal Finance

Block joined Kiplinger in June 2012 from USA Today, where she was a reporter and personal finance columnist for more than 15 years. Prior to that, she worked for the Akron Beacon-Journal and Dow Jones Newswires. In 1993, she was a Knight-Bagehot fellow in economics and business journalism at the Columbia University Graduate School of Journalism. She has a BA in communications from Bethany College in Bethany, W.Va.