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When you invest outside of tax-sheltered retirement accounts, the distributions on your money (for example, dividends) and realized gains when you sell are subject to taxation. So the non-retirement account investments that make sense for you depend (at least partly) on your tax situation.

If you have money to invest, or if you’re considering selling current investments that you hold, taxes should factor into your decision. But tax considerations alone shouldn’t dictate how and where you invest your money. You should also weigh investment choices, your desire and the necessity to take risk, personal likes and dislikes, and the number of years you plan to hold the investment (see the section “Choosing the Right Investment Mix,” later in the chapter, for more information on these other factors).