The Zyvo Blog
Straight explainers on portfolio performance, risk, and taxes — written for DIY investors who want the real math, not just a headline number.
Washington Has No Income Tax — But It Can Still Tax Your Investment Gains
A separate capital gains excise tax applies once a single year's long-term gains get large enough — 7% on the first $1M above the standard deduction, 9.9% above that. Here's exactly when it applies.
Read more →Why Your Portfolio Tracker Shows a Fake Taxable Sale After a Broker Transfer
An in-kind transfer isn't a taxable event, but most trackers see a sell at one broker and a buy at another and record two separate trades. Here's why that happens, and why just deleting both isn't enough.
Read more →Anlage KAP for Foreign Brokers — Reporting Dividends & Interest as a German Investor
If you invest through a non-German broker, no bank withholds your Abgeltungsteuer for you. Here's how Anlage KAP actually works for foreign-broker income — which lines, which section, and what it doesn't cover.
Read more →The Wash Sale Rule Across Brokers — What Your 1099-B Can't See
The wash sale rule applies across every brokerage account you have, not just the one where you sold. Here's how it works, and how to report it correctly on Form 8949.
Read more →How to Record Stock Splits & Broker Transfers
Splits, mergers, spinoffs, and transfers between brokers break most trackers. Here's how to record each one correctly by hand so your positions reconcile.
Read more →Best Portfolio Trackers with Tax Reporting (2026)
Sharesight, Kubera, Snowball Analytics, Empower, and Zyvo compared on cost-basis methods, capital gains reports, and price.
Read more →How to Track a Portfolio Across Multiple Brokers
A practical, step-by-step walkthrough for consolidating stocks, ETFs, and crypto held across several brokers into one accurate view.
Read more →Average Cost vs FIFO: Which Tax Method Should You Use?
The same sale can produce two different taxable gains depending on which cost basis method you use. Here's the real difference — and when it matters.
Read more →Why a Portfolio Tracker Actually Matters Today
Fragmented accounts, DIY investing, and crypto have made "I'll just remember" a genuinely bad strategy. Here's why tracking properly isn't optional anymore.
Read more →How to Track a Multi-Broker, Multi-Currency Portfolio Without Losing Your Mind
If your investments are split across brokers and currencies, here's why spreadsheets break down — and what actually needs to happen to get one accurate view.
Read more →Portfolio Concentration Risk: Why "Diversified" Often Isn't
Owning 15 different stocks doesn't automatically mean you're diversified. Here's how concentration risk actually works, and how to measure it.
Read more →TWR vs IRR: What's the Difference, and Which One Should You Actually Trust?
Your brokerage's "return" number might be answering a question you didn't ask. Here's the difference between Time-Weighted Return and Internal Rate of Return — and when to use each one.
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