Stephanie Marini, CFP®, CRPC®

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172 appearances 1 recordings 1 series first heard Apr 2026 last heard 4 Apr

Stephanie Marini, CFP®, CRPC®’s voice in public audio — every appearance, attributed to the second.

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Motley Fool Hidden Gems Investing · Which Types of Investments Should You Own and Where Should You Own Them · 4 Apr 2026 podcast

There are taxes due.

There's capital gains gonna be involved or capital losses.

But again, you have the control of when you're pulling those levers.

You don't have to worry about it hitting any age requirement before you avoid a penalty for taking the money out.

So I think that is the biggest advantages for a taxable brokerage account.

And as far as what type of funds can go in this, I personally like to have the

set it and forget it index funds, not as much turnover, not getting as many dividends, because again, that's something that will have a tax consequence every year that I personally don't want to have to manage.

So I like having the control of when I'm buying and selling.

And those set it and forget it type of investment are typically best in something like this.

I think for me, mentality hits on 401k.

I think the aspect of having the money taken out and that savings before it hits your checking account or before you get your paycheck is huge.

So it's that pay yourself first mentality that you can get with these accounts.

Again, having money taken out can be pre or post tax if an employer offers a Roth 401k, but it's taken out before you get your check.

and it hits your account.

So I think that is a huge benefit to help a mindset shift of starting to save.

And usually along with these employer plans, there is some kind of eligible match.

So if a company will offer, if you put in 4%, we will match 50% up until a certain amount.

That's essentially free money, which I'm about maximizing.

So if we can encourage that savings rate and again, living below your means, I think that is going to be someone's greatest asset and the greatest way to grow wealth slowly but surely over the long term.

I think one limit we talked about a little bit earlier are the ramifications of when you're allowed to access the money.

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