The 2026 tax overhaul could reshape refund patterns significantly across different investor brackets. Higher-income earners and those with substantial capital gains may see outsized tax relief, while middle-income brackets could experience more modest improvements. Business owners stand to benefit from potential corporate rate adjustments, directly impacting their post-tax returns. Meanwhile, lower-income groups might face limited refund expansion depending on standard deduction tweaks. For crypto and digital asset investors, the outcomes vary—those with long-term holdings could leverage capital gains rates, while active traders might see different treatment based on short-term income classifications. The policy's impact on investment returns ultimately hinges on how capital gains, business income, and wage structures get restructured in the final framework.