The wrapper matters more than the investments. Roth, Traditional, taxable, custodial: same funds, completely different tax bill.
- Roth IRA first if eligible, then taxable; add the fancy account types when life gives you a reason - Margin is a loan with your portfolio as collateral; treat it like one - New investors often skip the IRA entirely and leave years of tax-free growth on the table - Promos change monthly; a bonus you forfeit by closing early is not a bonus - Name your beneficiaries on every account: five minutes that overrides your will
BrokerMatch ($2.99 one-time) maps the account types to your situation, so you open the right wrapper the first time.