Hehe, knowing tax law is No. 1 issue for 投资理财。

Everybody has his/her unique tax situation, and he/she has to take care by him/herself. My suggestion is very simple--file your tax return with paper and pencil at least once to figure out the logic. It is not hard, but the forms are designed very silly. Only you go through the forms, you would understand what tax experts said, and then adjust your investment accordingly.

投资理财is likely playing chess. You better look every battle fronts. Tax is one of them.