In article <d4bca6e1.0310131000.4ee0718c[at]posting.google.com> ,
tnomore[at]hotmail.com (muzzy) writes:

- quote -

Consider investing in a personal (taxable) account in something fairly tax
efficient (e.g., individual stocks from companies that don't pay dividends, a
"tax managed" stock fund, or an index fund where the index tends to have fairly
low turnover, such as a Total Stock Market fund, a Russell 3000 fund, or an
S&P500 Index fund). Personal accounts don't have any age restrictions for
withdrawals.

You could probably make non-deductible Traditional IRA contributions. However,
if holding a "tax efficient" investment, a personal account (where you pay
long-term capital gains rates on the _gains_ when you sell) may be better than
a Traditional IRA (where you pay ordinary income tax rates on the _gains_
withdrawn), but a Traditional IRA may make perfect sense if you want more tax
inefficient investments (e.g., bonds or bond funds, actively managed funds that
have a significant turnover, REITs).

If your occupation tends to attract lawsuits, you might even consider an
unqualified Variable Annuity, but note that creditor protection may vary based
on state law. (With just a couple exceptions, Variable Annuities tend to have
high expenses when looking at the sum of the "M&E Fees" and "investment
advisory fees". Also, all unqualified Variable Annuities suffer from all
withdrawal of gains being taxed at ordinary income tax rates.)

Mark A. Young

greetings.

32y/o, single, homeowner. contribute max to company 401K. in past, i
have also added max to a Roth account. i now exceed agi limits for
roth contributions - wondering what my options are now that further
Roth contributions are no longer possible. any advice would be most
appreciated.

thanks,
muzzy