A decision on whether to hold certain investments inside your tax-deferred retirement plan or outside depends on:

  • Your age. Young investors should hold the assets with the highest expected return inside of a plan. Hopefully, the tax-deferred growth, over a long time period, will make up for the loss of tax benefits. Any gains will wind up being taxed as ordinary income, not long-term capital gains, when withdrawn from the plan.

  • Your retirement schedule. At some point,