I am just a janitor of the local grange that has a leaky roof so I don’t know much. One way to do tax free would be to trade a Self Directed Brokerage Account via a roth ira or a roth 401k. If you make to much money for a roth ira you can backdoor it via an ira. Your investment guy should be able to explain though the first question I would ask him if you should be putting anything in sfor other then risk capital and maybe not all your spare cash for the pay period? Or any other high risk equity.. *And to the other caller.. I cannot believe you blocked me for asking you to state a “fact”? Merry Christmas