Real ChatGPT answer + Gemini simulation · index seedDmDzUB7D2W4completeAI OverviewFinance and banking · investing and brokeragesinformational
How do capital gains taxes work for stocks we have held for less than a year versus those we have owned for over a decade in our family portfolio
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search35 queries10/30/2026
Download run
Gemini unique queries
34
2 in ≥ half the passes · stability 35%
ChatGPT real searches predicted
0%
0 of 1 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
How do capital gains taxes work for stocks we have held for less than a year versus those we have owned for over a decade in our family portfolio
34 unique queries · 3 passes
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 34 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT1 real searches · gpt-60% predicted
IRS Topic 409 capital gains and losses short-term long-term holding period 2026 tax rates Google ↗
- Internal Revenue Bulletin: 2025-45 · irs.gov
- Income Tax Rates · tax.illinois.gov
- 2026 IL-700-T Illinois Withholding Tax Tables · tax.illinois.gov
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
34 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
short term vs long term capital gains tax rates on stocks REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct definition and percentage comparison between short-term and long-term capital gains tax rates. | — | comparison_table | short versus long term rates | 2x of 3 | |
capital gains tax calculator for stock sales IMPLICIT | Google ↗ AI Mode ↗ | The user wants to calculate the exact tax owed on stocks held for different durations. | — | calculator/tool | calculators and basic definitions | 2x of 3 | |
short term vs long term capital gains tax rates stocks REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct clarification of the tax rate differences between short-term and long-term stock holdings. | — | comparison_table | short versus long term rates | 1x of 3 | |
how is stock holding period calculated for capital gains IMPLICIT | Google ↗ AI Mode ↗ | Learn the exact rules for when a holding period starts and ends for tax purposes. | — | faq_page | holding period and reporting | 1x of 3 | |
how is holding period calculated for stock capital gains tax RELATED | Google ↗ AI Mode ↗ | The user needs to know how the exact start and end dates of stock ownership are determined for tax purposes. | — | faq_page | holding period and reporting | 1x of 3 | |
how is holding period calculated for stock sales RELATED | Google ↗ AI Mode ↗ | The user needs to know the exact rules for determining when a stock transitions from short-term to long-term holding periods. | — | faq_page | holding period and reporting | 1x of 3 | |
tax rate on stocks held for over ten years REFORMULATION | Google ↗ AI Mode ↗ | Find the specific long-term capital gains tax bracket for assets owned for a decade. | — | web_article | tax on long held stocks | 1x of 3 | |
tax implications of selling stocks owned for over 10 years IMPLICIT | Google ↗ AI Mode ↗ | The user wants to understand the specific tax benefits or considerations for very long-term investments like a decade-old holding. | — | web_article | tax on long held stocks | 1x of 3 | |
tax implications of selling stocks held for over ten years REFORMULATION | Google ↗ AI Mode ↗ | The user seeks specific information regarding assets held for a decade or more. | — | web_article | tax on long held stocks | 1x of 3 | |
capital gains tax brackets 2024 for long term investments IMPLICIT | Google ↗ AI Mode ↗ | The user is looking for the current threshold percentages (0%, 15%, 20%) applied to long-term capital gains. | — | comparison_table | current tax brackets and rules | 1x of 3 | |
family portfolio stock sale tax minimization strategies PERSONALIZED | Google ↗ AI Mode ↗ | The user wants strategies to minimize taxes when liquidating stocks within a family portfolio context. | — | buyers_guide | portfolio tax minimization strategies | 1x of 3 | |
strategies to minimize capital gains tax on family portfolio stock sales PERSONALIZED | Google ↗ AI Mode ↗ | The user wants actionable advice tailored to managing a multi-asset family portfolio across different holding periods. | — | buyers_guide | portfolio tax minimization strategies | 1x of 3 | |
short term capital gains tax ordinary income tax brackets RELATED | Google ↗ AI Mode ↗ | Determine how short-term capital gains are taxed at ordinary income rates. | — | glossary/definition | current tax brackets and rules | 1x of 3 | |
tax efficient portfolio rebalancing long term holdings vs short term trades COMPARATIVE | Google ↗ AI Mode ↗ | Compare strategies for rebalancing a portfolio without triggering excessive short-term taxes. | — | buyers_guide | portfolio tax minimization strategies | 1x of 3 | |
capital gains tax definition and basics ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants a foundational definition of what capital gains tax is before diving into comparisons. | — | glossary/definition | calculators and basic definitions | 1x of 3 | |
stock capital gains tax brackets current year RELATED | Google ↗ AI Mode ↗ | The user needs the current income tax thresholds that determine long-term capital gains percentages (0 percent, 15 percent, 20 percent). | — | comparison_table | current tax brackets and rules | 1x of 3 | |
family portfolio tax loss harvesting rules ENTITY EXPANSION | Google ↗ AI Mode ↗ | Explore strategies to offset capital gains using losses within a multi-account family portfolio. | — | how_to_steps | portfolio tax minimization strategies | 1x of 3 | |
how to offset capital gains with losses in stock portfolio RELATED | Google ↗ AI Mode ↗ | The user wants to know about tax-loss harvesting to offset gains realized from selling stocks. | — | how_to_steps | portfolio tax minimization strategies | 1x of 3 | |
difference between ordinary income tax and capital gains tax COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to understand how short-term capital gains (taxed as ordinary income) differ fundamentally from long-term capital gains. | — | glossary/definition | short versus long term rates | 1x of 3 | |
minimizing taxes when selling inherited stock held for decades PERSONALIZED | Google ↗ AI Mode ↗ | Understand step-up in basis rules for long-held family stocks. | — | web_article | tax on long held stocks | 1x of 3 | |
capital gains tax on inherited stocks vs bought stocks COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to compare standard purchased stocks with inherited stocks regarding holding periods and cost basis. | — | comparison_table | short versus long term rates | 1x of 3 | |
step up in basis stocks inherited family portfolio ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user is exploring extended family portfolio scenarios, such as inherited stocks and adjusted cost bases over decades. | — | web_article | portfolio tax minimization strategies | 1x of 3 | |
net investment income tax niit threshold long term capital gains RELATED | Google ↗ AI Mode ↗ | Check if additional surtaxes apply to high-income capital gains realizations. | — | faq_page | net investment income tax | 1x of 3 | |
ordinary income tax rate vs capital gains rate for stocks COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to understand why short-term gains are taxed at ordinary income rates while long-term gains enjoy preferential rates. | — | web_article | short versus long term rates | 1x of 3 | |
net investment income tax niit threshold stocks RELATED | Google ↗ AI Mode ↗ | The user wants to know if high-income taxpayers face additional surtaxes on capital gains. | — | faq_page | net investment income tax | 1x of 3 | |
state capital gains tax on stocks short term versus long term IMPLICIT | Google ↗ AI Mode ↗ | Determine whether state-level taxes distinguish between short-term and long-term stock gains. | — | comparison_table | short versus long term rates | 1x of 3 | |
impact of net investment income tax niit on stock capital gains RELATED | Google ↗ AI Mode ↗ | The user needs to know if high-income family portfolios face additional surtaxes on capital gains. | — | faq_page | net investment income tax | 1x of 3 | |
how to report stock capital gains on tax return schedule d IMPLICIT | Google ↗ AI Mode ↗ | The user needs practical instructions on how to file and report short-term and long-term gains to the IRS. | — | how_to_steps | holding period and reporting | 1x of 3 | |
identifying specific shares tax lot identification methods fifo lifo ENTITY EXPANSION | Google ↗ AI Mode ↗ | Learn how to choose which specific lots of stock to sell to control holding periods. | — | code_samples/docs | tax lot identification methods | 1x of 3 | |
stock sale capital gains tax calculator RELATED | Google ↗ AI Mode ↗ | The user wants a tool to estimate the exact tax owed based on purchase price, sale price, and holding period. | — | calculator/tool | calculators and basic definitions | 1x of 3 | |
tax loss harvesting strategies for family investment accounts PERSONALIZED | Google ↗ AI Mode ↗ | The user is looking for ways to offset capital gains on short-term stocks using losses in the portfolio. | — | checklist | portfolio tax minimization strategies | 1x of 3 | |
state level capital gains tax on stocks RELATED | Google ↗ AI Mode ↗ | The user wants to know if state taxes apply differently to short-term versus long-term stock sales. | — | map/local_pack | short versus long term rates | 1x of 3 | |
how do wash sale rules affect capital gains tax calculations RELATED | Google ↗ AI Mode ↗ | Understand restrictions on repurchasing stocks after claiming losses or gains. | — | glossary/definition | calculators and basic definitions | 1x of 3 | |
do dividends count as capital gains in family stock portfolios REFORMULATION | Google ↗ AI Mode ↗ | The user wants to clarify whether dividend distributions are taxed under capital gains rules or ordinary income. | — | faq_page | portfolio tax minimization strategies | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 933 / 1,552 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 933 / 1,473 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 933 / 1,489 |