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Chuck: I mean I'm charged my max of 20% for long term gains, and that's not charged until I sell out

Jbking: Assuming you hold growthy stocks(No REITs or hi-yielding stuff) with no dividends it should be 18% if you hold for at least 5 years. Of course 18% vs 0% which is better? Hmm...

Me: Remember 0% only applies to Roth IRAs. When funds are removed from other IRAs they are subject to taxation at ordinary income rates... currently 15, 28, 31, 36 or 39.6%.

A truly disciplined buy-and-hold growth stock investor will do better investing outside of a traditional IRA. Very few investors are this disciplined.

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