Calculating Minimum Capital Gain from Share Disposals for Tax Assessment

QUESTION

Kelly has been investing in shares for many years. During the year ended 30 June 2022 she disposed of the following parcels of shares. Calculate the minimum capital gain that will be included in her assessable income. Show all working out.

 

Company Purchase date Cost Sale Date Sale Proceeds
Telstra shares 17 Nov 1997 6,300 17 Nov 2021 5,050
Rio Tinto shares 20 Sep 1984 6,000 11 Jul 2021 19,500
OneSteel shares 8 Feb 2022 1,200 28 Jun 2022 1,440
Woolworths shares 15 Aug 1998 6,500 31 May 2022 9,150

ANSWER

Calculating Minimum Capital Gain from Share Disposals for Tax Assessment

Introduction

Investing in shares is a popular method of wealth accumulation, and many investors like Kelly engage in buying and selling shares to maximize their returns. However, when disposing of shares, investors need to consider the tax implications of their transactions. The capital gains tax (CGT) is a crucial factor that comes into play, and understanding how it applies to different share disposals is essential. In this essay, we will delve into Kelly’s investment journey, specifically examining her share disposals during the year ending on 30 June 2022. Our goal is to calculate the minimum capital gain that will be included in her assessable income, taking into account her various share transactions.

Share Disposals and Tax Implications

Kelly’s investment history is marked by several share disposals, each with its purchase date, cost, sale date, and sale proceeds. To calculate the minimum capital gain included in her assessable income, we need to determine the gain or loss for each share disposal individually and then sum them up.

  1. Telstra Shares:
  • Purchase Date: 17 Nov 1997
  • Cost: $6,300
  • Sale Date: 17 Nov 2021
  • Sale Proceeds: $5,050

Capital Gain = Sale Proceeds – Cost = $5,050 – $6,300 = -$1,250 (Loss)

As the capital loss is negative, it indicates a loss rather than a gain. Capital losses can be used to offset other capital gains, potentially reducing the overall tax liability.

  1. Rio Tinto Shares:
  • Purchase Date: 20 Sep 1984
  • Cost: $6,000
  • Sale Date: 11 Jul 2021
  • Sale Proceeds: $19,500

Capital Gain = Sale Proceeds – Cost = $19,500 – $6,000 = $13,500 (Gain)

  1. OneSteel Shares:
  • Purchase Date: 8 Feb 2022
  • Cost: $1,200
  • Sale Date: 28 Jun 2022
  • Sale Proceeds: $1,440

Capital Gain = Sale Proceeds – Cost = $1,440 – $1,200 = $240 (Gain)

  1. Woolworths Shares:
  • Purchase Date: 15 Aug 1998
  • Cost: $6,500
  • Sale Date: 31 May 2022
  • Sale Proceeds: $9,150

Capital Gain = Sale Proceeds – Cost = $9,150 – $6,500 = $2,650 (Gain)

Calculating the Minimum Capital Gain

To calculate the minimum capital gain included in Kelly’s assessable income, we sum up the capital gains from the three profitable share disposals and consider any capital losses that can be offset against them.

Total Capital Gain = Capital Gain (Rio Tinto) + Capital Gain (OneSteel) + Capital Gain (Woolworths) = $13,500 + $240 + $2,650 = $16,390

Kelly’s capital loss from the Telstra shares disposal can potentially offset part or all of this capital gain. If the total capital loss is greater than the total capital gain, the net result may be a capital loss for tax purposes.

Conclusion

In conclusion, when analyzing Kelly’s share disposals during the year ending on 30 June 2022, we find that she has generated a total capital gain of $16,390. This capital gain arises from her profitable share transactions in companies like Rio Tinto, OneSteel, and Woolworths. The negative capital gain from her Telstra shares disposal can potentially be used to offset this gain, potentially affecting her overall tax liability. It is important for investors like Kelly to accurately calculate their capital gains and losses to ensure compliance with tax regulations and optimize their tax position. Consulting a tax professional can provide further insights into the complexities of capital gains tax and help individuals make informed financial decisions.

 

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