After maxing out one's 401K and utilizing the Roth IRA, are there any additional steps one can take to shelter (fully or at least party) income from short term taxes if the money is earmarked for retirement or long term investing?Remember IRA's and 401k's do a good job of turning long term capital gains into ordinary income. So do annuities.I would max out the IRA and 401k as you did. Now look for a SPYDER (S&P 500 stock index) or similar product. You will get market return and little risk of unexpected capital gains. However, you will get dividend income.
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