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Special Report

Morningstar's Tax and IRA Guide

Strategies and investment ideas for lessening the tax bite.

Investors can't control the market. They can't control the direction of interest rates or global growth. They can't even control what their fund managers buy and sell--or when they do it.

Instead of fretting about what they can't influence, successful long-term investors control what they can. They keep their investment costs low. They set goals, match their investment allocations to those goals, and remain faithful to their plans. And they consider the toll that taxes can take on their wealth and try to maximize their after-tax kitty.

Morningstar's Tax and IRA Guide offers ideas for how to be a more tax-savvy investor. Our guide includes tips for making the most of tax-sheltered accounts, optimizing taxable holdings, finding tax-efficient investments, and crafting tax-aware portfolios.

Tax Time Nuts and Bolts
What You Can Learn From Your 1099 Forms 
These forms can yield valuable intelligence about your portfolio's asset location and tax efficiency.

4 Strategies for an Organized Tax Season
Has tax season become a frustrating paper chase? These tactics can buy you some relief.

Your 2020 Tax Fact Sheet and Calendar
Bookmark this guide to stay abreast of the tax-related dates and data that should be on your radar this year.

12 Tax Deductions and Credits You Shouldn't Overlook 
If your income level is below certain thresholds, you may qualify for some of these tax-saving credits and deductions.

11 Tax Deductions You Can Still Take 
Be sure you're making the most of your tax deductions.

What’s The Difference Between Marginal and Effective Tax Rates? 
How to figure out your rates, and which one matters more.

HSAs Offer Path to Tax Deduction
Christine Benz explains the tax advantages of health savings accounts, if you're eligible. 

IRA Basics
Roth or Traditional IRA: Which Should You Choose? 
Here's a simple system to help you break down the choice.

10 Myths About IRA Contributions 
We clear up some key points of confusion for would-be contributors.

20 IRA Mistakes to Avoid 
From contributions to conversions to distributions, don't fall into these traps.

How to Get the Most Out of Your IRA Contributions 
Tips for selecting the right account type, using new contributions to adjust your portfolio's allocation.

How to Avoid IRA Pain Points
Small steps to avoid the 'procrastination penalty' can make a big difference in your eventual return.

Last-Minute IRA Tips
Christine Benz has some tips for those trying to squeeze in a contribution for the 2019 tax year. 

IRA Tips for Later in Life
Christine Benz discusses how the SECURE Act affects required minimum distributions. 

Investing Your IRA
How to Identify the Best Investments for Your IRA 
No matter your life stage or investment goals, identify the right investments for the job.

Should You Keep Foreign Stocks Out of Your IRA? 
Tax considerations suggest yes, but other factors may argue against it.

3 Fund Picks for an IRA  
There's still time to make contributions to an IRA for the 2019 tax year. Christine Benz shares some investment ideas to consider before tax day.

4 Bond Fund Ideas to Flesh Out Your IRA
Karin Anderson discusses some choices from the core and core-plus intermediate-term bond category.

3 Stock Picks for Your IRA
We discuss what makes these stocks appealing right now.

Creating A More Tax-Efficient Portfolio
A Tax-Efficient Portfolio Makeover May Be Less Painful Than You Think 
Proper accounting of cost basis is essential to avoid paying more taxes than you need to.

4 Mutual Fund Ideas for IRAs
Russ Kinnel offers a range of suggestions for those looking for a new holding.

Are You Holding Your Assets in the Right Types of Accounts? 
Taking care with asset placement can result in big tax savings.

Tax-Efficient Retirement Saver Portfolios
We've designed these portfolios to maximize returns while limiting Uncle Sam's take.

Tax-Efficient Retirement Bucket Portfolios
Our model portfolios are designed to facilitate in-retirement cash flows--and to limit Uncle Sam's take.

Tax-Efficient Model Ports for Short/Intermediate Goals
They key isn't to take no risk at all, but to let the probabilities tell you how much.