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Once you have maxed the tax preference programs available to you, tax managed taxable investments are your next best program. Annuities can work, but Fools don't like them because they are very restrictive and often pay high fees to the people who sell them.

Depending on how much time you want to spend managing your investments, the usual choices are 1) tax managed mutual fund or index fund (which usually have low taxable distributions); 2) long term buy and hold strategy in stocks; or 3) real estate investments. There are of course many more including collectibles like art, antiques, stamps, coins, etc or livestock like thoroughbred horses.

Mutual funds are easiest. LTBH is best if you make it work successfully. Real estate involves many possible types and can vary widely from conservative to risky, from active management to minimal effort. Much depends on how much time you have, your skills and interests.
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