unsafe-sell

Author: bufdev

README.md

@@ -57,6 +57,7 @@ ibctl transaction list --from 20250101 --to 20251231 --base-currency USD
 | `ibctl holding category list` | Display holdings aggregated by category |
 | `ibctl holding geo list` | Display holdings aggregated by geographic classification |
 | `ibctl holding safe-sell list` | Identify positions safe to sell from a tax perspective (loss or LTCG only) |
+| `ibctl holding unsafe-sell list` | Show positions with short-term capital gains exposure |
 | `ibctl holding value` | Display portfolio value with estimated tax impact |
 | `ibctl transaction list` | List all transactions (buys, sells, dividends, interest, WHT, etc.) chronologically |
 | `ibctl transaction sale list` | List realized security sales with FIFO lot matching for tax reporting |

book/src/SUMMARY.md

@@ -17,6 +17,7 @@
   - [holding category list](commands/holding-category-list.md)
   - [holding geo list](commands/holding-geo-list.md)
   - [holding safe-sell list](commands/holding-safe-sell-list.md)
+  - [holding unsafe-sell list](commands/holding-unsafe-sell-list.md)
   - [holding value](commands/holding-value.md)
   - [transaction list](commands/transaction-list.md)
   - [transaction sale list](commands/transaction-sale-list.md)

book/src/commands/holding-list.md

@@ -24,7 +24,7 @@ Positions worth less than 0.01 in the base currency are filtered out. This remov
 | P&L {BASE} | Unrealized profit/loss in base currency (computed per lot, excluding tax-exempt lots, using date-specific FX rates) |
 | STCG {BASE} | Short-term unrealized capital gain in base currency (lots held < 365 days) |
 | LTCG {BASE} | Long-term unrealized capital gain in base currency (lots held >= 365 days) |
-| POSITION | Total quantity held across all accounts |
+| QTY | Total quantity held across all accounts |
 | CATEGORY | User-defined asset category from configuration (e.g., `EQUITY`, `FIXED_INCOME`) |
 | TYPE | User-defined asset type (e.g., `STOCK`, `ETF`) |
 | SECTOR | User-defined sector classification (e.g., `TECH`) |

book/src/commands/holding-safe-sell-list.md

@@ -30,6 +30,7 @@ The `safe_sell.max_stcg` setting in `ibctl.yaml` controls tolerance for short-te
 | ACCOUNT | Account alias (only shown with `--separate-accounts`) |
 | QTY | Total quantity across all sellable lots |
 | QTY REMAINING | Quantity not included because the FIFO walk was stopped by a lot exceeding the STCG threshold. Zero means all lots for this symbol are sellable. |
+| LTCG DATE | Date when all remaining lots will have been held >= 365 days and qualify as LTCG. Empty if there are no remaining STCG lots. |
 | CURRENCY | Native currency of cost basis and market price |
 | AVG PRICE | Weighted average cost basis per share in native currency |
 | MKT PRICE | Current market price per share in native currency |

book/src/commands/holding-unsafe-sell-list.md

@@ -0,0 +1,59 @@
+# holding unsafe-sell list
+
+```
+ibctl holding unsafe-sell list [--dir DIR] [--format FORMAT] [--download] [--realtime] [--separate-accounts] [--base-currency CURRENCY]
+```
+
+Shows positions with unrealized short-term capital gains — the inverse of `holding safe-sell list`. These are positions where selling would trigger STCG taxed at ordinary income rates. Use this to understand your STCG exposure and when each position's short-term lots will cross the 365-day threshold and become long-term.
+
+## Account combining (IRS vs CRA)
+
+By default, lots from all accounts for the same symbol are merged into a single FIFO queue sorted by date (IRS-correct for disregarded entities). Use `--separate-accounts` for CRA-style per-account FIFO.
+
+## Columns
+
+| Column | Description |
+|--------|-------------|
+| SYMBOL | Ticker symbol |
+| ACCOUNT | Account alias (only shown with `--separate-accounts`) |
+| QTY | Total quantity of lots with positive STCG |
+| LTCG DATE | Date when all STCG lots will have been held >= 365 days and qualify as LTCG |
+| CURRENCY | Native currency |
+| MKT PRICE | Current market price per share (native currency) |
+| MKT VAL {BASE} | Market value of the STCG lots (base currency) |
+| STCG {BASE} | Total short-term capital gain (base currency) |
+| CATEGORY | User-defined asset category from configuration |
+| TYPE | User-defined asset type |
+| SECTOR | User-defined sector classification |
+| GEO | User-defined geographic classification |
+
+`{BASE}` is replaced with the `--base-currency` value (e.g., `MKT VAL USD`, `STCG CAD`).
+
+## Sort order
+
+Results are sorted by LTCG date ascending (soonest to become long-term first).
+
+## Totals row
+
+The table output includes a totals row summing MKT VAL {BASE} and STCG {BASE}.
+
+## Examples
+
+```bash
+# STCG exposure with real-time prices
+ibctl holding unsafe-sell list --realtime
+
+# Per-account FIFO (CRA-style), JSON output
+ibctl holding unsafe-sell list --realtime --separate-accounts --format json
+```
+
+## Flags
+
+| Flag | Default | Description |
+|------|---------|-------------|
+| `--dir` | `.` | The ibctl directory containing `ibctl.yaml` |
+| `--format` | `table` | Output format: `table`, `csv`, or `json` |
+| `--download` | `false` | Download fresh data before displaying |
+| `--realtime` | `false` | Fetch real-time stock quotes and FX rates from Yahoo Finance |
+| `--separate-accounts` | `false` | Apply FIFO independently per account (CRA-style) |
+| `--base-currency` | `USD` | Base currency for value conversion (case-insensitive, e.g., `USD`, `CAD`) |

book/src/commands/overview.md

@@ -35,6 +35,7 @@ All holding commands accept `--base-currency` (default `USD`) to convert values
 | `ibctl holding category list` | Aggregate holdings by category with market value and P&L |
 | `ibctl holding geo list` | Aggregate holdings by geographic classification with market value and P&L |
 | `ibctl holding safe-sell list` | Identify positions safe to sell from a tax perspective (loss or LTCG only) |
+| `ibctl holding unsafe-sell list` | Show positions with short-term capital gains exposure (inverse of safe-sell) |
 | `ibctl holding value` | Display portfolio value with estimated unrealized and YTD realized tax impact |
 
 ## Transaction commands

cmd/ibctl/internal/command/holding/holding.go

@@ -17,6 +17,7 @@ import (
 	"github.com/bufdev/ibctl/cmd/ibctl/internal/command/holding/lot"
 	"github.com/bufdev/ibctl/cmd/ibctl/internal/command/holding/projectedincome"
 	"github.com/bufdev/ibctl/cmd/ibctl/internal/command/holding/safesell"
+	"github.com/bufdev/ibctl/cmd/ibctl/internal/command/holding/unsafesell"
 )
 
 // NewCommand returns a new holding command group.
@@ -33,6 +34,7 @@ func NewCommand(name string, builder appext.SubCommandBuilder) *appcmd.Command {
 			holdingoverview.NewCommand("overview", builder),
 			projectedincome.NewCommand("projected-income", builder),
 			safesell.NewCommand("safe-sell", builder),
+			unsafesell.NewCommand("unsafe-sell", builder),
 			holdingvalue.NewCommand("value", builder),
 		},
 	}

cmd/ibctl/internal/command/holding/safesell/safeselllist/safeselllist.go

@@ -93,6 +93,7 @@ COLUMNS
   ACCOUNT       Account alias. Only shown with --separate-accounts.
   QTY           Total quantity across all sellable lots.
   QTY REMAINING Quantity not included because the FIFO walk was stopped.
+  LTCG DATE     Date when all remaining lots qualify as LTCG (empty if none).
   CURRENCY      Native currency of cost basis and market price.
   AVG PRICE     Weighted average cost basis per share (native currency).
   MKT PRICE     Current market price per share (native currency).
@@ -195,7 +196,6 @@ func run(ctx context.Context, container appext.Container, flags *flags) error {
 			return err
 		}
 	}
-	// Get the safe-sell list.
 	// Get the safe-sell list. The STCG threshold is read from config.SafeSellMaxSTCGMicros.
 	results, err := ibctlsafesell.GetSafeSellList(
 		mergedData.Trades,
@@ -222,17 +222,19 @@ func run(ctx context.Context, container appext.Container, flags *flags) error {
 		totalsRow := make([]string, len(headers))
 		totalsRow[0] = "TOTAL"
 		if flags.SeparateAccounts {
-			// With ACCOUNT column: SYMBOL, ACCOUNT, QTY, QTY REMAINING, CURRENCY, AVG PRICE, MKT PRICE, MKT VAL, P&L, STCG, LTCG, ...
+			// With ACCOUNT: SYMBOL(0), ACCOUNT(1), QTY(2), QTY REMAINING(3), LTCG DATE(4),
+			// CURRENCY(5), AVG PRICE(6), MKT PRICE(7), MKT VAL(8), P&L(9), STCG(10), LTCG(11), ...
+			totalsRow[8] = totals.MktValBase
+			totalsRow[9] = totals.PnLBase
+			totalsRow[10] = totals.STCGBase
+			totalsRow[11] = totals.LTCGBase
+		} else {
+			// Without ACCOUNT: SYMBOL(0), QTY(1), QTY REMAINING(2), LTCG DATE(3),
+			// CURRENCY(4), AVG PRICE(5), MKT PRICE(6), MKT VAL(7), P&L(8), STCG(9), LTCG(10), ...
 			totalsRow[7] = totals.MktValBase
 			totalsRow[8] = totals.PnLBase
 			totalsRow[9] = totals.STCGBase
 			totalsRow[10] = totals.LTCGBase
-		} else {
-			// Without ACCOUNT column: SYMBOL, QTY, QTY REMAINING, CURRENCY, AVG PRICE, MKT PRICE, MKT VAL, P&L, STCG, LTCG, ...
-			totalsRow[6] = totals.MktValBase
-			totalsRow[7] = totals.PnLBase
-			totalsRow[8] = totals.STCGBase
-			totalsRow[9] = totals.LTCGBase
 		}
 		return cliio.WriteTableWithTotals(writer, headers, rows, totalsRow)
 	case cliio.FormatCSV:

cmd/ibctl/internal/command/holding/unsafesell/unsafesell.go

@@ -0,0 +1,23 @@
+// Copyright 2026 Peter Edge
+//
+// All rights reserved.
+
+// Package unsafesell implements the "holding unsafe-sell" command group.
+package unsafesell
+
+import (
+	"buf.build/go/app/appcmd"
+	"buf.build/go/app/appext"
+	"github.com/bufdev/ibctl/cmd/ibctl/internal/command/holding/unsafesell/unsafeselllist"
+)
+
+// NewCommand returns a new unsafe-sell command group.
+func NewCommand(name string, builder appext.SubCommandBuilder) *appcmd.Command {
+	return &appcmd.Command{
+		Use:   name,
+		Short: "Identify positions with short-term capital gains exposure",
+		SubCommands: []*appcmd.Command{
+			unsafeselllist.NewCommand("list", builder),
+		},
+	}
+}