(08-09-2021, 02:41 PM)ken-do-nim Wrote: I'm really curious after you educate yourself on the tax consequences if you decide to add tax-free municipal bond etfs to your retirement portfolio like HYMB and HYD. Both of those have yields in the high 3s, which is pretty good for tax-free.Chad will correct me if necessary....
Generally munis work for those in a high tax bracket due to their income level or state they live in. During normal times you lose a lot of yield in munis. You could give up a dollar to save 75 cents on your taxes. I am sure there are calculators. If tax rates rise on lower brackets munis may make sense for more people someday.