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If you could hold all the stocks in the S&P 500 in your taxable portfolio at low cost, and then match winners and losers when you make annual retirement withdrawals, you could go quite a while without realizing any taxable capital gains.

New competitors in this space are now charging fees as low as 0.10% of assets (t.e., $1,000 on $1 MM invested) If that meant that you could take a non-taxable 4% ($40,000 withdrawal from a $1 million dollar portfolio that would otherwise be taxed at the 15% to 20% capital gains rate (e.g. $6,000 OR $8,000) it would produce significant tax savings in the current year. Of course, over time as the stock market grows and your “winners” make up more of the portfolio, you’re ability to continue this strategy will decline while the 0.10% fee continues.

free link:
https://www.barrons.com/articles/direct-indexing-t... 1

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Oh, and if you've been a successful investor over the years, you're going to wish that you put more money into a Roth IRA or Berkshire Hathaway when you were younger.

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Retirement Investing FAQ

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