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Find out how the choice of taxable vs. tax-deferred accounts and other specific strategies increase your clients' net returns.
With taxes on capital gains so low, it may be tempting to invest retirement monies in taxable accounts to avoid the ordinary income tax due on withdrawal. However, one Massachusetts Institute of Technology professor finds that—in all but one instance—tax-deferred is still the way to go.
True, tax deferral is a big advantage—but 401(k)s aren't the only way to save. And for many clients, relying strictly on tax-advantaged accounts may actually put their retirement at risk. Maybe it's time to revisit our old friends, taxable accounts.
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