No. of Recommendations: 5

This is a rehash of the claim that it is bad to max out a 401K, because if you put the money in stocks in a taxable account, you'll end up paying less taxes (capital gains vs. marginal rate).

Let me say again, these "experts" are working for untenable assumptions. They assume that portfolios should be grossly stock heavy, they assume no one will ever sell or rebalance, and they assume people will gradually drip money out of stocks during retirement.

Where have they been the last 2 years? I only wish I could put more money into a non-deductible IRA for my CDs.

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