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<< I am wondering what my options are for saving more for retirement without any company-sponsored assistance? Should I invest money in non-retirement accounts - but what are the tax consequences of this? >>

The rules for capital gains taxation offer some opportunities for tax-advantaged (sorry, not tax-exempt) growth in a taxable account. In brief, gains are not taxed until you sell and then, if you've held at least a year, rates are capped below your marginal tax rate. In addition, as of next year, there will be a "super" holding period (5 years) that will result in even lower tax rates when you do eventually sell.

You can read a lot more about the taxation of capital gains in the FAQ of the Tax Strategies board.

Phil Marti
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