About Lumvest

Lumvest is built to support clear, defensible tax-loss harvesting analysis in professional investment workflows.The platform exists to address a common gap in portfolio analysis: the lack of a consistent, auditable way to surface loss signals without embedding assumptions, advice, or execution logic into the process.
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Deterministic analysis.
Reproducible results.

Why the Platform Exists

Tax-loss harvesting is often discussed in abstract terms, but difficult to analyse consistently across portfolios, time periods, and users.
Lumvest was designed to provide:
  • A neutral analytical baseline
  • A repeatable framework for identifying loss signals
  • Outputs that can be reviewed, documented, and explained
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Design Philosophy

The platform is built around a small set of guiding principles.
This approach allows the platform to remain globally applicable across jurisdictions, workflows, and regulatory environments.
Analysis should be rules-based, not discretionary

Outputs should be traceable, not inferred

Systems should surface signals, not conclusions

Professional judgment should remain outside the software

Scope and Boundaries

The platform focuses on analysis only.
It does not:
  • Execute trades
  • Provide investment or tax advice
  • Apply jurisdiction-specific tax rules
  • Predict or optimise future outcomes
These boundaries are intentional and central to the platform’s design.
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Disclaimer
Lumvest provides analytical software tools for informational and educational purposes only. The platform performs deterministic, rules-based analysis of user-supplied trade data and presents mechanically identifiable signals related to tax-loss harvesting. Lumvest does not provide investment advice, tax advice, legal advice, accounting advice, or financial planning services. Nothing on this website or generated by the platform should be construed as a recommendation, solicitation, endorsement, or opinion regarding the purchase, sale, holding, or replacement of any security or financial instrument. The platform does not execute trades, manage portfolios, determine suitability, assess investor objectives, or apply jurisdiction-specific tax laws or rates. All outputs are intended for professional review and independent evaluation. Any decisions made based on the information provided are the sole responsibility of the user. Exposure similarity analysis is based on historical correlation and related statistical measures. Assets identified as highly correlated are not identical and may differ materially in index construction, risk characteristics, liquidity, expenses, and tax treatment. Any exposure alternatives presented are provided for informational purposes only and do not constitute recommendations.Results depend entirely on the completeness and accuracy of the data provided, current market prices at the time of analysis, and configured analytical parameters. The platform does not predict future market performance, tax outcomes, or investment results. Past performance and historical analysis are not indicative of future results.Tax-loss harvesting may not be suitable for all investors and its effectiveness varies based on market conditions, portfolio composition, tax regimes, and individual circumstances. Tax laws and regulations are subject to change and may differ by jurisdiction.Users should consult their own qualified investment, tax, legal, and financial professionals before making any financial decisions. Use of this platform constitutes acceptance of these limitations.
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