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04-04-2014, 09:53 AM
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#1
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Thinks s/he gets paid by the post
Join Date: Jul 2007
Posts: 1,085
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Tax-advantaged accounts
Many folks here talk about the amount of money they have in tax-advantaged account. To me, it includes the following:
Traditional IRA
Roth IRA
401k and 403b accounts
Municipal bonds
Annuities
The list could be endless, but are there any other obvious (and simple) examples I left out?
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04-04-2014, 10:00 AM
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#2
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Thinks s/he gets paid by the post
Join Date: Feb 2012
Location: Northern Ohio
Posts: 3,182
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HSA
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04-04-2014, 10:02 AM
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#3
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Administrator
Join Date: Jan 2008
Location: Chicagoland
Posts: 40,696
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MLPs
__________________
In economics, things take longer to happen than you think they will, and then they happen faster than you thought they could.”
― Rudiger Dornbusch
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04-04-2014, 10:13 AM
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#4
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Moderator
Join Date: Feb 2010
Location: Flyover country
Posts: 25,340
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Hidden offshore accounts.
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04-04-2014, 10:23 AM
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#5
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Full time employment: Posting here.
Join Date: Jan 2013
Posts: 681
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529 plans
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04-04-2014, 10:53 AM
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#6
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Recycles dryer sheets
Join Date: Jul 2012
Posts: 103
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Roth 401K's
__________________
Jeff
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04-04-2014, 11:18 AM
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#7
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Thinks s/he gets paid by the post
Join Date: Jul 2005
Posts: 4,366
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Not sure I'd include municipal bonds as an "account", and an annuity is pushing it as well. Though both may be tax favored investment vehicles.
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04-04-2014, 01:21 PM
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#8
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2009
Posts: 6,695
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Don't forget 457b accounts which are like 401k and 403b accounts but are for employees of state and local governments.
Similar to HSAs, I had one of those transit reimbursement accounts which were funded by pretax dollars used for payouts of transit-related expenses ("TransitChek").
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"
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04-04-2014, 01:27 PM
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#9
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Feb 2011
Location: NC Triangle
Posts: 5,807
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 Quote:
Originally Posted by scrabbler1
Don't forget 457b accounts which are like 401k and 403b accounts but are for employees of state and local governments.
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Yes. 457 is "deferred compensation" that you can tap after you leave service (no waiting till 59-1/2).
__________________
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04-04-2014, 01:36 PM
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#10
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2005
Location: Chicago
Posts: 13,183
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Coverdell ESA
__________________
"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
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04-04-2014, 01:40 PM
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#11
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Thinks s/he gets paid by the post
Join Date: Aug 2013
Posts: 1,660
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401a
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04-04-2014, 01:41 PM
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#12
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,122
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IBonds - interest not taxed until bond is cashed.
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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04-04-2014, 03:14 PM
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#13
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Thinks s/he gets paid by the post
Join Date: Sep 2012
Posts: 1,570
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Growth stocks. Appreciation is tax deferred until you sell, then taxed at preferable long term gains rate, or potentially never taxed and heirs receive step up cost basis.
__________________
You know that suit they burying you in? Thar ain’t no pockets in that suit, boy.
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04-04-2014, 04:07 PM
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#14
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,713
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MLPs
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04-04-2014, 04:19 PM
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#15
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,122
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Quote:
Originally Posted by MichaelB
MLPs
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Quote:
Originally Posted by aja8888
MLPs
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Is there an echo in here?
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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04-04-2014, 04:37 PM
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#16
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,713
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Quote:
Originally Posted by Alan
Is there an echo in here?
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Brilliant minds think alike I guess.... 
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04-04-2014, 04:38 PM
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#17
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,713
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Quote:
Originally Posted by David1961
Many folks here talk about the amount of money they have in tax-advantaged account. To me, it includes the following:
Traditional IRA
Roth IRA
401k and 403b accounts
Municipal bonds
Annuities
The list could be endless, but are there any other obvious (and simple) examples I left out?
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Ughhh..why do you have Municipal Bonds (generally tax exempt) in a tax advantaged account? 
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04-04-2014, 04:49 PM
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#18
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Thinks s/he gets paid by the post
Join Date: Jul 2007
Posts: 1,085
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My choice of words could have been better. Should have not used the word "account". I meant to say that holding municipal bonds in a regular account is tax free, in most cases. The initial post was really asking about ways to grow investments either tax-free or tax deferred.
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04-04-2014, 05:02 PM
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#19
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,713
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Quote:
Originally Posted by David1961
My choice of words could have been better. Should have not used the word "account". I meant to say that holding municipal bonds in a regular account is tax free, in most cases. The initial post was really asking about ways to grow investments either tax-free or tax deferred.
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I guess it is not clear as to what you mean by "tax advantaged" with that list of examples. But I get it now.
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04-05-2014, 09:30 PM
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#20
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Thinks s/he gets paid by the post
Join Date: Aug 2004
Location: St. Louis
Posts: 2,179
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Quote:
Originally Posted by David1961
The list could be endless, but are there any other obvious (and simple) examples I left out?
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Shocked..SHOCKED, I tell you...that no one in the forum has mentioned the obvious: a Whole Life Insurance policy!
(just kidding, for the sarcastically-deficient  )
__________________
Dryer sheets Schmyer sheets
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