MARK KOHLERMain Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, LLC · Owner at Main Street Professionals, LLC

The 12-month rule every crypto investor needs to know 💡 #crypto #investing #money

9 Sept 2026 · 1 min

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Mark Kohler breaks down the 12-month rule for crypto: hold it that long in a regular account to get long-term capital gains rates instead of ordinary income tax. Roth IRAs let you trade freely with no tax hit. Sell early and you pay the highest rate, unless you're locking in a loss to write off.

Chapters

Hold all your crypto at least 12 months. Now, if it's in a Roth IRA, I don't care, buy and sell all day long. But if you hold it personally, I've gotta tell you, hold it at least 12 months because it's gonna unlock a lot of other strategies when you can play with that capital gains bracket. If you're buying and selling crypto before you've held it 12 months, that's like a job and you're paying the highest tax rate. There's no real strategy there from a tax perspective. Once you hit the 12-month mark, then you can play this harvest gain strategy. Now, if you hold it less than 12 months and there's a loss in there, sell it, get the loss, rebuy it. I'm cool with that.