Asset Location
Placing dividend-paying stocks in tax-advantaged accounts, such as IRAs or 401(k)s, while holding 주식 growth stocks in taxable accounts can optimize tax efficiency.
This strategy, known as asset location, can help minimize the tax impact of dividends.
- Example: An investor holds high-dividend stocks in a Roth IRA, where dividends grow tax-free, and growth stocks in a taxable account, where they benefit from long-term capital gains rates.
Strategic Withdrawal Planning
For retirees, strategic withdrawal planning from tax-deferred accounts can help manage tax liabilities on dividend income.
- Example: A retiree might withdraw funds from 관련주 a traditional IRA up to the limit of a lower tax bracket before tapping into other sources of income, minimizing overall tax impact.