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A recent IRS- and academic-based study found households accrued about $116 trillion in total capital gains from 1954 to 2021, but less than a fifth of that was ever reported on tax returns as a realized gain. The study also found that households had around $16.2 trillion in total capital gains in 2021, which equates to about 94% of net national income and exceeds total wages, dividends, and interest income.