>>I missing something here...My number included taxes upon sale at the end of the period.>>if one is to use a taxable investment as a retirement vehicle why would they be impacted by short term gains? They could still buy or sell investments. Or, the gains from any fixed income investment will be taxed at their short term cap gains rate, that is to say their income tax rate.>>Taxes would have most likely already been paid on the $100k right? So it's an apples to apples comparison...a person who has no retirement vehicle at his disposal vs one who can make unlimited tax free contributions, both of whom have earned $100,000. Two extremes. >>I like the Person C example as many forget to include the fact that one can use a loss harvesting strategy to limit their losses Yeah, this is really critical, and there are a lot of implications here, eg, don't buy mutual funds since you can't sell the individual losing securities each year. Nick
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