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Hi -

I have a couple questions. A few notes. I have 25-30 year time horizon before needing these funds. They are in a Rollover IRA (so consist of pre-tax dollar contributions) and strictly for retirement.

1) When buying stocks in a tax-deferred IRA, do short-term and long-term capital gains still come into play? Do I need to keep track of all stocks within this IRA that I hold for shorter than 12 months for the next 25-30 years? Or is it that when I get to retirement and start taking distributions that all of the money, contributions and gains, is just taxed at my then current income tax rate?

2) I don't understand the rationale behind the strategy for trading stocks in taxable brokerage accounts vs an IRA. With a 25-30 year time horizon until retirement why does it matter? If the money you have is in an IRA and you want the greatest chance for growth shouldn't you be in stocks??
If the money is for retirement what would be the advantage to using a regular brokerage account? Then you'd have to mess with potentially paying taxes every year. Is it because the answer to #1 is yes, everything gets taxed at my then current income rate, whereas if I had used a regular brokerage account I would theoretically be paying a lower rate of tax on the gains each time I sold?

Sorry for being longwinded. Just trying to fine tune my understanding on some of what I have been reading.

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