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re: muni and corporate bonds?
Posted on 7/3/14 at 8:38 pm to TheHiddenFlask
Posted on 7/3/14 at 8:38 pm to TheHiddenFlask
quote:
There is absolutely no conceivable reason to have munis in a Roth. ETA: and low interest rates mean that bonds are more expensive, so no to that as well.
that's not entirely true. while rare, there have been times in the last few years there when munis had higher yields nominal yields than treasuries of the same maturities. if you are looking for safety and want to get more yield than cash I could see putting some money in short term high quality munis in an IRA.
like I said very rare but conceivable.
1
Posted on 7/4/14 at 3:42 am to whodatigahbait
quote:
if you are looking for safety and want to get more yield than cash I could see putting some money in short term high quality munis in an IRA.
That's still not a good reason. The interest on a muni is tax-free to start with, it doesn't matter what the rate is.
As I pointed out, there can be one reason, namely if it is a high-risk muni like Detroit's - because if you get lucky and have large capital gains that is not tax-free unless it's in the Roth.
You don't want your safe stuff in the Roth, you want the risky stuff there.
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