re: START Program

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if someone has 10+ years

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Fair point. Where I was going is the ability to take tax losses on NQ funds - while not completely outpacing the tax free gains - greatly reduces how much it beats it by. It takes away the "no brainer" part for me that the regular START program is.

In a perfect world, you'd do an apples to apples comparison with similar funds - which are indexes and have very low turnover and essentially tax deferral until the capital gains at the end...