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Teampaper snap multiple annotations1/11/2024 “ Publication 550: Investment Income and Expenses (Including Capital Gains and Losses),” Pages 53. “ Set a Time Frame for Your Financial Goals.” Contributions, but not gains, to Roth IRAs can be withdrawn at any time, without penalty or taxes due.įinancial Industry Regulatory Authority. Roth IRAs: For individuals, these vehicles can offer flexibility and a variety of investment options.Peer-to-peer (P2P) lending: Excess cash can be put into play via one of these lending platforms that match borrowers to lenders.Municipal bonds: These bonds, issued by local, state, or non-federal government agencies, can offer higher yields and tax advantages since they are often exempt from income taxes.Bond funds: Offered by professional asset managers/investment companies, these funds are better for a shorter time frame and can offer better-than-average returns for the risk.
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