Probably. In addition to owing taxes on any dividends you may receive, you may also owe taxes on any gains your investments made while you’ve had them if you’ve made a withdrawal from your Capitalyze® standard account. That’s because they may have gained value beyond the money you put in.

Timing matters here. Investments that you’ve had for less than a year that you sell at a gain are treated like any other form of income, meaning you have to pay the same tax rate on any gains that you do for your salary.

But investments that you’ve had for more than a year are not held to that same standard. In fact, you might not owe any taxes on them! (That’s part of why it really can pay off to invest in the long term.)

The highest income-tax rate for long-term capital gains is 20 percent—and that only applies to taxpayers whose total taxable income is higher than ₹1,000,000. Those in the lowest bracket may not have to pay any taxes. To determine which tax bracket applies to you, check with your tax advisor or the IRS website.