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Subject:  Re: IRA vs. HSA? Date:  12/7/2004  11:24 PM
Author:  yobria Number:  43460 of 78166

Preferred treatment of long-term capital gains makes taxable accounts more attractive for buy-and-hold (for at least a year) investments than it used to be.

Except in extreme cases, many hours of Excel analysis on my part shows the retirement account will always beat the taxable account. The tax free contribution and decades of tax deferred growth of IRAs and 401ks far overwhelm the lower cap gains rate.

Even if you have poor 401k investment choices, you'll be parting ways with your employer eventually (I recall reading the average US job lasts 4 years), and will then have decades to invest as you see fit after you roll over the 'k. Even if you're sure you'll never