{"id":154920,"date":"2025-06-26T05:53:02","date_gmt":"2025-06-26T05:53:02","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/"},"modified":"2025-06-26T05:53:02","modified_gmt":"2025-06-26T05:53:02","slug":"what-is-post-tefra-cost-basis","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/","title":{"rendered":"What is post-TEFRA cost basis?"},"content":{"rendered":"<p>Post-TEFRA cost basis refers to the method used to calculate the cost basis of investments, specifically mutual funds, that were purchased before the Tax Equity and Fiscal Responsibility Act (TEFRA) was implemented in 1982. TEFRA introduced a fair market value system for determining the cost basis of mutual fund shares, which replaced the previous method of using average cost. Understanding post-TEFRA cost basis is crucial for investors when it comes to calculating taxes on capital gains or losses from the sale of mutual fund shares.<\/p>\n<p>**What is post-TEFRA cost basis?**<\/p>\n<p>Post-TEFRA cost basis refers to the fair market value system introduced by the Tax Equity and Fiscal Responsibility Act in 1982 to determine the cost basis of mutual fund shares.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#1_What_was_the_previous_method_of_determining_cost_basis_before_TEFRA\" title=\"1. What was the previous method of determining cost basis before TEFRA?\">1. What was the previous method of determining cost basis before TEFRA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#2_Why_was_TEFRA_introduced\" title=\"2. Why was TEFRA introduced?\">2. Why was TEFRA introduced?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#3_How_is_post-TEFRA_cost_basis_calculated\" title=\"3. How is post-TEFRA cost basis calculated?\">3. How is post-TEFRA cost basis calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#4_What_is_fair_market_value\" title=\"4. What is fair market value?\">4. What is fair market value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#5_Why_is_post-TEFRA_cost_basis_important_for_investors\" title=\"5. Why is post-TEFRA cost basis important for investors?\">5. Why is post-TEFRA cost basis important for investors?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#6_Can_post-TEFRA_cost_basis_be_used_for_other_types_of_investments\" title=\"6. Can post-TEFRA cost basis be used for other types of investments?\">6. Can post-TEFRA cost basis be used for other types of investments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#7_Are_there_any_exceptions_to_using_post-TEFRA_cost_basis\" title=\"7. Are there any exceptions to using post-TEFRA cost basis?\">7. Are there any exceptions to using post-TEFRA cost basis?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#8_How_does_post-TEFRA_cost_basis_affect_taxes\" title=\"8. How does post-TEFRA cost basis affect taxes?\">8. How does post-TEFRA cost basis affect taxes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#9_Is_it_possible_to_change_the_method_of_determining_cost_basis_from_post-TEFRA\" title=\"9. Is it possible to change the method of determining cost basis from post-TEFRA?\">9. Is it possible to change the method of determining cost basis from post-TEFRA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#10_Can_post-TEFRA_cost_basis_result_in_a_higher_or_lower_cost_basis_compared_to_the_previous_method\" title=\"10. Can post-TEFRA cost basis result in a higher or lower cost basis compared to the previous method?\">10. Can post-TEFRA cost basis result in a higher or lower cost basis compared to the previous method?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#11_What_if_I_do_not_have_historical_records_to_determine_the_fair_market_value\" title=\"11. What if I do not have historical records to determine the fair market value?\">11. What if I do not have historical records to determine the fair market value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#12_How_can_I_ensure_accurate_calculation_of_post-TEFRA_cost_basis\" title=\"12. How can I ensure accurate calculation of post-TEFRA cost basis?\">12. How can I ensure accurate calculation of post-TEFRA cost basis?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_What_was_the_previous_method_of_determining_cost_basis_before_TEFRA\"><\/span>1. What was the previous method of determining cost basis before TEFRA?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBefore TEFRA, the previous method of determining cost basis for mutual fund shares was average cost.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Why_was_TEFRA_introduced\"><\/span>2. Why was TEFRA introduced?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTEFRA was introduced to create a more accurate and fair method of determining the cost basis of investments, especially mutual funds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_is_post-TEFRA_cost_basis_calculated\"><\/span>3. How is post-TEFRA cost basis calculated?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPost-TEFRA cost basis is calculated by using the fair market value of mutual fund shares at the time of purchase.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_is_fair_market_value\"><\/span>4. What is fair market value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nFair market value refers to the price that a willing buyer and willing seller would agree upon in an open market transaction.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Why_is_post-TEFRA_cost_basis_important_for_investors\"><\/span>5. Why is post-TEFRA cost basis important for investors?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPost-TEFRA cost basis is important for investors as it is used to calculate the amount of capital gains or losses incurred upon the sale of mutual fund shares, which then affects tax obligations.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_post-TEFRA_cost_basis_be_used_for_other_types_of_investments\"><\/span>6. Can post-TEFRA cost basis be used for other types of investments?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPost-TEFRA cost basis is specifically applicable to mutual fund shares and may not be applicable to other types of investments.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Are_there_any_exceptions_to_using_post-TEFRA_cost_basis\"><\/span>7. Are there any exceptions to using post-TEFRA cost basis?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThere are certain situations where investors may not be required to use post-TEFRA cost basis, such as when shares were inherited or received as a gift.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_does_post-TEFRA_cost_basis_affect_taxes\"><\/span>8. How does post-TEFRA cost basis affect taxes?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPost-TEFRA cost basis affects taxes by influencing the calculation of capital gains or losses, which are subject to taxation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Is_it_possible_to_change_the_method_of_determining_cost_basis_from_post-TEFRA\"><\/span>9. Is it possible to change the method of determining cost basis from post-TEFRA?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most cases, it is not possible to change the method of determining cost basis from post-TEFRA for mutual fund shares, as it is a standard practice.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_post-TEFRA_cost_basis_result_in_a_higher_or_lower_cost_basis_compared_to_the_previous_method\"><\/span>10. Can post-TEFRA cost basis result in a higher or lower cost basis compared to the previous method?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPost-TEFRA cost basis can result in a higher or lower cost basis depending on the fair market value of the mutual fund shares at the time of purchase.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_What_if_I_do_not_have_historical_records_to_determine_the_fair_market_value\"><\/span>11. What if I do not have historical records to determine the fair market value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you do not have historical records to determine the fair market value, you may need to consult with a financial advisor or use alternate methods to estimate the value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_How_can_I_ensure_accurate_calculation_of_post-TEFRA_cost_basis\"><\/span>12. How can I ensure accurate calculation of post-TEFRA cost basis?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTo ensure accurate calculation of post-TEFRA cost basis, it is advisable to maintain detailed records of mutual fund purchases, including dates and prices, or seek assistance from a professional tax advisor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Post-TEFRA cost basis refers to the method used to calculate the cost basis of investments, specifically mutual funds, that were purchased before the Tax Equity and Fiscal Responsibility Act (TEFRA) was implemented in 1982. TEFRA introduced a fair market value system for determining the cost basis of mutual fund shares, which replaced the previous method &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What is post-TEFRA cost basis?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/#more-154920\">Read more<span class=\"screen-reader-text\">What is post-TEFRA cost basis?<\/span><\/a><\/p>\n","protected":false},"author":37,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-154920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is post-TEFRA cost basis?<\/title>\n<meta name=\"description\" content=\"Post-TEFRA cost basis refers to the method used to calculate the cost basis of investments, specifically mutual funds, that were purchased before the Tax\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is post-TEFRA cost basis?\" \/>\n<meta property=\"og:description\" content=\"Post-TEFRA cost basis refers to the method used to calculate the cost basis of investments, specifically mutual funds, that were purchased before the Tax\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/what-is-post-tefra-cost-basis\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - 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