"Nashville Pete" wrote:

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OK, consider yourself saved: http://www.bugmenot.com/

Save me from the newspapers that require me to register in order to read one
article.


"Dave Dodson" <Dave.Darla[at]gmail.com> wrote in message
news:1119811332.857071.50670[at]z14g2000cwz.googlegroups.com...
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<nowhere[at]noplace.com> wrote:

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I'd think twice about having a quest for tax avoidance. The goal is not to
minimize taxes. The goal is to maximize returns after taxes. With capital
gains and dividend rates at 15%, the cost of avoiding taxes often exceeds the
benefits. (That's the essence of the Scott Burns article referenced in another
post).

Take a look at some low cost mutual funds. Something like an S&P 500 index will
pay dividends less than 2%. 15% of 2% is a pretty low tax burden. Most of the
capital gains will only be taxed when you sell, and that will be at 15%. (There
will be a very small taxible capital gains each year).

-- Doug

Before you spend much energy considering annuities, read Scott Burns'
column, "7 Sins of Variable Annuities," which appeared just last week
in the Dallas Morning News.

http://www.dallasnews.com/sharedcont....2c86e1eb.html

Dave

I'm at least 8 years from retirement. I'm maxed-out on my available tax
advantaged investments such as a 401k and Roth IRA. Now I'm looking at tax
exempt bond funds and annuities. I understand that annuities can have high
expenses and are not liquid. Are they the next logical step in my quest for
tax avoidance? Should I be looking at variable or fixed given my time
horizon?