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What is lot-tracked cost basis?

Lot-tracked cost basis means recording every purchase of a security as a separate "lot" — with its own quantity, price, and date — so that when you sell, the realized gain is computed against the specific shares sold rather than a single blended average. It produces accurate, tax-relevant gain figures, especially across multiple buys at different prices.

Last updated: 2026-05-29

If you buy the same stock three times at different prices, your account holds three lots. When you sell, the cost basis depends on which lots the sale draws from — FIFO (first-in, first-out), or a specific-lot selection. Average-cost methods blur this; lot tracking preserves it, which matters for tax reporting and for understanding true performance.

How Finlynq tracks lots

Finlynq records per-purchase lots and computes realized gains by closing specific lots on a sale. It is multi-currency aware — realized gains can be expressed in your base currency using historical exchange rates at the open and close of each lot — and it supports short positions and dividend reinvestment. Cash sleeves are tracked as explicit holdings so currency-on-currency FX gains surface correctly.

The result is a portfolio view built for people who actually reconcile their investments, not just glance at a balance.

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