No. of Recommendations: 1
In my unprofessional opinion, these boards overemphasize the value of tax-deferred retirement accounts

Here's my analysis of a tax deferred account vs a best case scenario taxable account, keeping tax brackets static.

In reality, it's almost impossible to achieve the best case scenario taxable account. You wind up with dividends and net cap gains here and there.

Math aside, I love IRAs. I can sell a stock that's just doubled and is now (I think) overvalued, invest in bonds, dividend paying stocks and REITs without worrying about the tax consequences, etc. Especially in California, where the cap gains tax is second highest in the nation.

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