ST Alpha - "The gist of the comparison as I recall was for taxpayers who can take advantage of 0% capital gains rates being better off with low cost index funds -- (edited)" (Reading a Post)

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In response to "LIR: I want to read this article about how bad 401Ks are. -- nm" by psilotum

The gist of the comparison as I recall was for taxpayers who can take advantage of 0% capital gains rates being better off with low cost index funds -- (edited)

Posted by znufrii May 28 '24, 04:07

In a brokerage account, being able to essentially get the same tax-deferred growth through cap gains and realizing minimal taxable income along the way. I’ll look for it later.

Responses:

Thanks! -- nm - psilotum May 29, 09:42
Here’s one article -- (link*) - znufrii May 28, 04:09 [Backboard] 3
- the caveat being this only holds true if there is no employer matching I think. Otherwise take your free money -- nm - Beaker 🍺 May 28, 04:16 2
  - Darn right take that money. I become eligible for employer match after 2 years. I signed up the day after. - Masked Baron May 28, 06:01
  - Correct. Also as I noted at the time, it doesn’t take into account the ability of a plan to offer Roth-designated contributions -- (edited) - znufrii May 28, 04:19

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The gist of the comparison as I recall was for taxpayers who can take advantage of 0% capital gains rates being better off with low cost index funds -- (edited)

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