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<<No: you should be a teacher. You just demonstrated why users of the UG5 should do it inside an IRA to defer the taxes.>>

Maybe yes...maybe no. Think about somebody giving up a MAX capital gains tax rate (now at 20%), only to have this investment in a taxable IRA account on which tax will have to be paid at a HIGHER tax bracket (up to 39.6% currently).

With the reduction of the top end capital gains rate (20%), this question becomes much more complex. Each individual will really have to run some numbers and make some assumptions in order to see what is best for him or her.

There are no easy answers any more.

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