However, if you don't have the three account options, there may be other opportunities for tax efficiency, May said.
, she suggested, which generally avoid federal levies and possibly state and local taxes on interest., or REITs, which must distribute 90% of taxable income to shareholders, said Mike Piper, a CPA at the firm in his name in St. Louis. Exchange-traded funds or index funds generally spit off less income than actively-managed mutual funds, which typically haveOf course, taxes aren't the only factor when deciding where to keep your assets. You'll also need to consider your goals and timeline.
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