<prompt> Human: Just this year Ive invested 350 in stocks. In a few months the total has appreciated about 20. When tax season comes what will the tax rate be for this appreciation? Im only 19 and make about 14,000 a year. What should I expect when filing taxes for this year.  <response>: You only pay capital gains taxes when you sell stock. If you havent sold anything this year, you havent made any gains. If you put your investments in a Roth IRA, you wont need to worry about taxes at all. And the community here will strongly recommend investing in low-cost index funds, not individual stocks which is basically gambling. Read the FAQ. 