Ordinary individuals may think of specific accounts, but when realizing profits, there is a 20.315% tax payment. When realizing losses, it simply means confirming losses. By filing a tax return, offsetting gains and losses can occur resulting in a return of taxes paid for profits, so please make sure to do so. Especially for those with a negative balance this year, losses will be offset against next year's profits, making it easier to receive tax refunds. Since the new NISA does not have loss offsetting, it's obvious, but keep that in mind.