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Stock Return Demystified: Capital Gains, Dividends, Taxes, and Fees — All in One Guide

Apr 14, 2026 · OIYO Editorial

Your real investment return isn't just how much the stock price moved. Brokerage commissions, capital gains taxes, and dividend withholding all take a cut. This guide walks through the complete formula for calculating net return, compares tax treatment for different account types, and covers fee structures across major US brokers.