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The OPTI method – Calculation with two options

The OPTI method lets you choose between two calculation approaches depending on how long-term trades are taxed in your country. You can configure this preference directly in the tax report settings.


Option 1: Long-term trades are completely tax-free (e.g., Germany)

In this case, the OPTI method calculates the lowest possible tax result by prioritizing taxable and tax-free transactions as shown below:

Tax Setting "Long-Term Trades

Transaction Type

Sort by Cost Basis

Tax-free in my country

Taxable transaction types

1. Long gains, ascending

2. Short losses, descending

3. Long losses, descending

4. Short gains, descending

Tax-free in my country

Tax-free transaction types

1. Long gains, ascending

2. Short losses, descending

3. Long losses, descending

4. Short gains, descending


Option 2: Long-term trades taxed at a reduced rate (e.g., USA)

Here, the method calculates results by factoring in the reduced tax rate and optimizes accordingly:

Tax Setting "Long-Term Trades

Transaction Type

Sort by Cost Basis

Reduced tax rate in my country

Taxable transaction types

1. Short losses, descending

2. Long losses, descending

3. Long gains, descending

4. Short gains, descending

Reduced tax rate in my country

Tax-free transaction types

1. Short gains, ascending

2. Long gains, ascending

3. Long losses, ascending

4. Short losses, ascending


Explanation of Sorting by Cost Basis

  • Short losses, Short gains, Long losses, Long gains → refer to transaction categories.

  • Ascending means sorting from the smallest cost basis to the largest, while descending means the reverse.


Important Notes

  • If the OPTI method was used before July 30, 2025, you must generate a new reallocation report before using it again.

  • The update on July 30, 2025, introduced changes regarding tax-free transactions, which makes this step necessary.

For detailed assistance, see: Navigating through the reallocation report.

 



Note: For reporting purposes you can switch to the legacy OTPI calculation.


To enable the “old OPTI” method, simply activate it using this link: Legacy setting on


The option is only displayed if you also select OPTI as the method, otherwise the setting disappears.


Once you’ve done this, you’ll see an extra option in your settings.



Next, choose the date until when the legacy calculation should be used (calculations for trades before this date will follow the old method). This will help you get the same results as before the update. 


After you’ve finished your calculations, make sure to deactivate the legacy setting by visiting the same link: Legacy setting off


For the purpose of ensuring traceability of already created reports, the legacy calculation method can be used; however, it should no longer be applied for official reports.
 




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