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[[What is the difference when filing your taxes for a joint account or an individual account?]]

Depends upon how the account was created. If you contributed 50% and the other JT contributed 50% to create the account, then it is generally reportable by each of you (1/2 each obviously).

[[ I have a joint account with my mother. Who has to file for capital gains and dividends gains me or
her? ]]

Again, it depends. If your name is on the account just for convenience (the poor man's estate planning....a REAL bad idea), she should likely report the taxable transactions. But if the account is really have yours and half hers, based upon your initial and subsequent contributions, then you should both report half...which will be a REAL mess.

[[ Also if I make a lot more money than my mother wouldn't it make sense to open the account under
her name so when filing for capital gains I would end up in a lower bracket?]]

Not if it's YOUR money. If you do that, you are actually making a gift to your mother and open up a new can of worms.

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