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My wife and I are currently maxed out on all possible tax-sheltered/tax-free accounts (401k's, IRA's).

Now what? What other tax free/tax-sheltered options are there? (we don't have any children so 529's aren't an option).

I am considering a tax free muni-bond fund, like the PA Tax Exempt Bond Fund offered by Vanguard (we live in PA). I doubt rates will go up in 6-12 months, so it might be safe there for now. However, it's a short term option at best and once rates look to go up, I would have to move it from there.

Any ideas?

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