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Author: pauleckler Big funky green star, 20000 posts Top Favorite Fools Old School Fool Answer Team Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 81588  
Subject: Re: IRA/Roth Date: 11/30/2013 9:21 PM
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The best you can do is invest in the long term buy and hold style (LTBH in Foolish lingo) in a taxable account. Then you pay taxes only when you sell and then at capital gains rates. Stocks with no dividends are preferred, or qualified dividends are taxed at a low rate similar to capital gains.

An equivalent way is to purchase a variable annuity. Usually you can make repeated additions to the annuity and gains grow tax free. The problem is that most are sold by insurance companies that charge high fees and have surrender charges that keep you from moving your money if the fund you choose under performs. As far as I know all offer a selection of managed mutual funds to choose from. None allow stock trading as you can do in an IRA or Roth.

If you choose to go with an annuity, check out those offered by low cost providers like Fidelity, Vanguard, TRowe Price, TIAA Cref etc.
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