The maximum tax rate on net long-term capital gains is 20% in 2020 for individuals above the top income tax bracket threshold. For the middle brackets it is 15%. Investments must be held for more than one year to qualify for these preferential rates. Gains on property held for one year or less are treated as short-term capital gains, subject to tax at the same rates as ordinary income.
Investments are not a deposit or other obligation of, or guaranteed by, the bank, are not FDIC insured, not insured by any federal government agency, and are subject to investment risks, including possible loss of principal.