Investment Allocation for Tax Benefits  September 17, 2013   Tax
regulation and rate changes have made it more important to put
your investments in the right account to achieve the greatest
possible tax benefits. You can see more benefit by dividing your
investments in different tax buckets.  Tax deferred accounts
such as annuities, 401ks, 403bs and traditional IRAs allow your
investments to grow tax free until withdrawal. That makes them
good places to hold investments that are not tax efficient
because any withdrawals from these accounts are taxed at your
earned income rate. These include bonds, real estate trusts
(REITs), commodities and many active ETFs and mutual funds. If
you put investments that are taxed at a lower rate, such as
stocks, inside these accounts, you lose the tax rate advantage.
One type of tax-deferred account is annuities, which are used to
manage risks, defer taxes on investment gains and create a
guaranteed income. Some are designed to protect you from market
losses by forgoing some