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Author: gdett2 Big red star, 1000 posts Old School Fool Ticker Guide Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75793  
Subject: Re: Exiting 401K..now what? Date: 1/4/2013 12:35 PM
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tstalkin101,

If the company matches a portion of her contribution, I would fund it to that level since a 1 to 1 match is a 50% return for the year.

Outside of that you have your trad and Roth IRAs. If she is over the income level for a Roth, a non-deducible contribution to a trad IRA can be made then converted to a Roth. If she has no traditional IRA-type accounts (IRA/SEP/SIMPLE/etc), it can be done without a tax implication.

Talk to a tax person about this before doing it.

Beyond the above, investing in a taxable account can be tax efficient by selecting your investments carefully and not trading in and out a lot.

Gene
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