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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