因此如果你想要让收益最大化你需要格外注意决算表上特定资产究竟投在了哪里。

For example, you would never hold tax-free municipal bonds through a Roth IRA.

比如你绝对不会通过罗斯个人退休账户买到免税市政债券。

You would prioritize putting the dividend paying stocks in a tax shelter such as a Roth IRA and non-dividend stocks in an ordinary brokerage account.

你会优先考虑把分红的股票放进罗斯个人退休账户等避税投资中，不分红的股票放进普通的经纪账户中。

Always, always, always contribute to your 401k at least up to the amount of your employer match. If your employer matches $1 for $1 on the first 3%, for example, you are instantly earning a 100% return on your money without taking any risk!

一定、一定、一定要保证养老金至少够付佣金，比如如果前3%收益每$1的佣金是$1，那你也一直能得到全部收益而不用承担任何风险！

Even if you grab the matching money and park your 401(k) balance in something like a stable value fund, it's free cash.

即使你能付得起佣金，把养老金用来付稳定价值基金等理财产品的话，也是一笔闲钱。

Don't overlook the benefit of seemingly boring assets such as Series I savings bonds, which have some significant inflation advantages.

不要忽视看起来无聊的资产的收益，比如系列一类储蓄债券，它们会有一些明显的应对通货膨胀的优势。

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