No. of Recommendations: 0
>The desire to avoid taxes in a taxable account is understandable, but ultimately futile, at least if you want to make decent money. There are few stocks that are worth holding for a year, and it is impossible to tell which ones beforehand. Look at a 5-year chart of SUNW and DELL, for example. Good for a while; then they tanked.

You don't have to tell me, I have work for SUNW for the past couple years, and I have friends at DELL. Holding company stock long-term is not part of my retirement plan. I prefer to be diversified and I have seen what happens to people who don't. I took a nice 50% profit on my ESPP shares last week. There may well be some more upside to the shares, but it was good enough for me for a 6 months period. Right now I have a little bit to invest because of that sale (and a new projector ;)). But only a little bit - I need to have emergency cash .

>Cramer (definitely watch CNBC at 6:00, or take in a later re-run at 9:00) likes to tell about people he told to sell in March of 2000. They wanted to wait until they had held the stock for a year, so as to pay lower taxes. Then they had a loss.

Yeah. Well, I never have that problem. I can't ever get myself to hold any individual stock. When there is a good profit I sell, even if it will get taxed at 45% marginal ...

Thanks for your list of funds. I will look into it today. I would like to keep things simple. Preferably not have too many accounts for investments. I consolidated all my previous employer 401ks and am glad I did since the Sun plan is prettty good. Maybe I would like to have 1 traditional IRA account, and 1 taxable account on top of that.
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