What I suggest is “Avoid stock investment through taxable account” unless we need money for other purposes such as real estate.
Rather use “After tax 401k/Roth for stock investment” so that we do not pay any dime tax for life.
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Only if you don’t use margins. 
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But now that I know about after tax 401k I will think some more about how to structure my investments. Are you guys all putting in the max 55k x 2 ?
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55k * 2? spouses? If so yes.
Vanguard’s roth ira allows option trading, so that’s what i am doing in roth ira. I also have roth401k and pretax, which i max out.
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If you maximize it, use Roth 401k instead of pre-tax (Traditional) as you will have to pay lot of tax during retirement period. Just see my calculation table where you will be at the age of 60s or 70s.
Weird advice to CRAs like you 
Why more tax? Don’t we have this marginal bracket thing there, where first A$ is taxed at B%, then the next C$ at D% etc?
that said, i did consider doing that, but i am at the highest bracket like many of the other people. Don’t really make sense.
I might do it only for the trading options reasons.
I am nowhere near CRA status. 
You guys wasting your time, future tax rate is very low.
That’s my point.
Hedge Fund RenTech Created the Ultimate, Tax-Free IRA Account for Employees
Roth IRA/401k is one the best saver ! Even though we pay tax now, it grows exponentially (Power of compounding) over the years and we do not pay any tax whenever we use it.
To have paid taxes and invest your money in a speculative stock market is being crazy. There’s no protection for your money, stock market crashes, you are sinking too. You are forgetting the Other People’s Money concept.
I use IULs for a conservative approach. Living benefits, and income when you retire, tax free.
I got a prospect, 39 years old.
Premiums of $1500 every month.
Loans $1,150 every month. = $350 = you can call it 401K, Roth Ira, Ira, etc.
Retires at age 61 with $100-$125K a year, until he dies or age 120, tax free. Just $350 a month. 
Death benefit of $1M
Historical return of 7% thanks to the beauty of the S&P 500 indexing strategies.
Imagine those who open their policies with $20K a month? 
Only way you lose is if the market crashes and never ever returns. If that happens, you’re probably more screwed than you think and the only vehicle that would save you is the prepper’s one: 20 acres off the grid.
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There’s something said in real estate deals, and anything else… “time is the essence”. Which means that time lost equals $ lost. And no matter how glorious you call 401K, his creator Ted Benna called it a monster. It only benefits the employer contributing into his employees program. It’s an instant tax deduction for them. You or anybody else? Later! 
Now, the good thing about 401Ks and deferred programs is that they turn people into savers. Or, as we call them “debit cards” for the government for future use. That’s all.
Since there’s a negative thinking about what I promote, the only truth is that “what I talk about” won’t survive if the stock market is negative…forever. And so will be any other program. We are talking the end of this world, or, 2008 scenario if you can’t get a job to pay for the cost of insurance.
Let me explain it, don’t be negative guys, this is a teachable moment.
Every day the stock market closes negative, you lose. You can say your 401K, etc. is the only one that didn’t get hit that day, but we know that would be false since most of 401Ks are mutual funds investments. It doesn’t matter if they invest the money in Big Foot or any UFO, you lose.
Hypothetically speaking:
You have $1K invested in any 401K, IRA, Roth, etc. The markets goes negative 10%. You got left $900, right?
You need 10% of your $900 to bounce, right? Nah! You have $999
Next day -10% = ?
Next day +10% = ?
It’s a catch 22, right?
You do that day after day, as it happened last year, disregarding the numbers today, you lost time and money!
Anything invested through an IUL?
Insurance company invests your $1,000 in the S&P 500 index. Yes! They use a thing someone here said was bad, “OPTIONS”! (yes, I’ve read you are using options, yes sir! )
Market goes 10% negative. You got left $1,000 because the IC invest “your money” but they take the hit. You don’t get anything in return, but you also never lose your principal.
Next day, the market bounces 10%, you got $1,100
Next day -10% = $1,100…0% gained. You keep principal
Next day +10% = $1,210
Next day -10% = $1210…0% gained. you keep principal
Next day +10% = $1331
I know, this is not tabulated every day, but monthly, then yearly (we call it 12 buckets) but I am giving you an idea of how the concept of “zero is your hero” works.
The only thing similar to an IUL is Roth IRA. Because it’s cash, taxes are paid, but…the earnings are taxed. And penalties and age limitations for withdrawals apply.
Grasp this: Nothing beats the benefits of any life insurance policy that allows you to put an excess that is going to be invested by the IC in the S&P 500.
1- No market risk. Zero is your hero.
2- Contributions are not limited as any other plan.
3- No excessive fees. Ours is 0.76, 401Ks are from 1 to 3%
4- SS is not taxed
5- You leverage money. $1K turns into $1,600. $200 cost of insurance, $800 in the S&P 500, another $800 in your hands. (age and health conditions apply) 
6- No minimum distributions and its penalties.
7- No taxes to be paid.
8- Living benefits, free.
9- Income for life or until age 120.
Any doubts?