Here’s a tax tip that could save you big bucks. You can use the capital gains rate to pay less taxes on stock profits. If you’re going to sell shares, sell the ones you’ve held for more than 12 months. The profits (or gains) will be treated more favorably. They’ll be subject to a 20% capital gains tax rate. ( For those in the 15% tax bracket, the capital gains rate will be only 10%) Use this tip to plan ahead for tax time.