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I have a question that I hope someone can help me with...

I hear a lot of talk about IRAs and other investment vehicles in which you save money on taxes. My question is: Can't I save just as much on cap gains through a brokerage if I buy and hold individual stocks? Won't I get the same benefits of these other investment vehicles? I mean I'm charged my max of 20% for long term gains, and that's not charged until I sell out...Is this right or am I missing something else?


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