New investors may be caught off guard by the taxes imposed on stock trades.

The tax filing season commences on January 24, and some novice investors might be taken aback.

The unexpected impact of last year's trading frenzy over "meme stocks" on 2021 tax returns could be significant.

Bill Capuzzi, CEO of Apex Fintech Solutions, stated that last year was a fascinating year for investors, particularly young ones, regarding their investment decisions, including the timing of their purchases and sales, as well as the reasons behind them.

Each quarter, Apex, a digital clearing platform used by many investing apps such as SoFi and Stash, analyzes approximately one million trading accounts of investors aged 24 and younger.

In the third quarter, AMC was the number one holding among younger investors. However, as its share price tumbled from its year to date high and the meme stock mania subsided, AMC finished the year in third place behind Tesla and Apple.

According to Apex's analysis, most younger investors adopted a "buy and hold" strategy when investing in AMC and other "meme stocks," with some adding to their positions as the stock price increased. However, some investors took profits at certain points.

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Tax experts advise new investors who took profits in AMC and other "meme stocks" to be aware of the tax treatment on their investments as they file their 2021 returns.

According to Jeffrey Levine, chief planning officer at Buckingham Wealth Partners, gains from investments held for one year or less before being sold are classified as short-term capital gains and are taxed at ordinary income tax rates.

The sale of securities held more than one year will result in long-term gains being taxed at either 0%, 15%, or 20%.

If you have more losing stocks than winning ones, you can deduct up to $3,000 against your regular income. If your net capital loss exceeds this limit, you can carry it forward to future years.

Eric Bronnenkant, Betterment's head of tax, advises investors with a net capital gain that their money is considered income. This could potentially reduce certain tax breaks, such as student loan interest deductions, child tax credits, and deductions for medical expenses.

The amount of tax benefits you receive is directly linked to your adjusted gross income, and as your income increases, the benefits you qualify for typically decrease.

If your income increases significantly, you may no longer be eligible to contribute directly to a Roth IRA, according to tax experts.

You have until April 18 to make a Roth IRA contribution for the 2021 tax year, up to $6,000 or $7,000 if you're 50 or older. To be eligible, your income must be under $140,000 if you're single or less than $208,000 if you're married filing jointly.

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