Let’s say in that account you put $100 in, and in the past month it’s grown to $110 (very good job). You have an “unrealized gain” of $10. Cuz you gained $10 dollars but you haven’t actually pulled it out of the account yet, tomorrow the market could crash and your account could drop to $90, now you’d have an unrealized loss of $10.
But until you actually pull the money out of the account, it is unrealized.
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