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Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the 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It’s helpful to have an expert by your side helping you make these decisions. Unbiased can",[812],{"type":129,"attrs":813},{"color":773},{"text":815,"type":22,"marks":816}," match you with a financial advisor",[817,820,823],{"type":31,"attrs":818},{"href":819,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas?mf-type=regular",{"type":129,"attrs":821},{"color":822},"#1155CC",{"type":824},"underline",{"text":826,"type":22,"marks":827}," who can offer personalized advice tailored to your unique situation. ",[828],{"type":129,"attrs":829},{"color":773},{"type":764,"attrs":831,"content":832},{"level":766},[833],{"text":834,"type":22,"marks":835},"What is a tax-free investment?",[836],{"type":129,"attrs":837},{"color":773},{"type":18,"content":839},[840],{"text":841,"type":22,"marks":842},"A tax-free investment is a type of investment that doesn’t require you to pay taxes on it. ",[843],{"type":129,"attrs":844},{"color":773},{"type":18,"content":846},[847],{"text":848,"type":22,"marks":849},"These can include ordinary income taxes, capital gains taxes, dividend or interest income, and other types of taxes. ",[850],{"type":129,"attrs":851},{"color":773},{"type":18,"content":853},[854],{"text":855,"type":22,"marks":856},"There are only a few types of investments that fit this criteria; however, there are a wide variety of tax strategies that can minimize or eliminate your tax liability from investments. ",[857],{"type":129,"attrs":858},{"color":773},{"type":18,"content":860},[861],{"text":862,"type":22,"marks":863},"You’ll hear these called “tax-efficient” investments or strategies, and we’ve included these strategies in our list of the best tax-free investments. ",[864],{"type":129,"attrs":865},{"color":773},{"type":764,"attrs":867,"content":868},{"level":766},[869],{"text":870,"type":22,"marks":871},"What are the best tax-free investments?",[872],{"type":129,"attrs":873},{"color":773},{"type":18,"content":875},[876],{"text":877,"type":22,"marks":878},"The best tax-free investments help you keep more money in your pocket. ",[879],{"type":129,"attrs":880},{"color":773},{"type":18,"content":882},[883,888,897],{"text":884,"type":22,"marks":885},"There are several investments and strategies that can help you ",[886],{"type":129,"attrs":887},{"color":773},{"text":889,"type":22,"marks":890},"reduce your tax liability",[891,894,896],{"type":31,"attrs":892},{"href":893,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/taxes/7-ways-to-reduce-your-tax-liability",{"type":129,"attrs":895},{"color":822},{"type":824},{"text":898,"type":22,"marks":899},".",[900],{"type":129,"attrs":901},{"color":773},{"type":764,"attrs":903,"content":905},{"level":904},3,[906],{"text":907,"type":22},"Municipal bonds and municipal bond funds",{"type":18,"content":909},[910],{"text":911,"type":22,"marks":912},"Most municipal bonds are exempt from federal taxes, which makes them one of the best tax-free investments. 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They can be bought directly on ",[960],{"type":129,"attrs":961},{"color":773},{"text":963,"type":22,"marks":964},"TreasuryDirect.gov",[965,968,970],{"type":31,"attrs":966},{"href":967,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://treasurydirect.gov/",{"type":129,"attrs":969},{"color":822},{"type":824},{"text":972,"type":22,"marks":973},", but investors are limited to $10,000 in I Bonds per year. ",[974],{"type":129,"attrs":975},{"color":773},{"type":764,"attrs":977,"content":978},{"level":904},[979],{"text":980,"type":22},"HSA",{"type":18,"content":982},[983],{"text":984,"type":22,"marks":985},"Health savings accounts offer a triple tax-advantaged place for investments: contributions are made tax-free, growth is tax-free, and qualified distributions are made tax-free. ",[986],{"type":129,"attrs":987},{"color":773},{"type":18,"content":989},[990,995,1004],{"text":991,"type":22,"marks":992},"Essentially, all investments held in an HSA may reduce your ",[993],{"type":129,"attrs":994},{"color":773},{"text":996,"type":22,"marks":997},"tax liability",[998,1001,1003],{"type":31,"attrs":999},{"href":1000,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/taxes/What-is-my-tax-liability",{"type":129,"attrs":1002},{"color":822},{"type":824},{"text":898,"type":22,"marks":1005},[1006],{"type":129,"attrs":1007},{"color":773},{"type":764,"attrs":1009,"content":1010},{"level":904},[1011],{"text":1012,"type":22},"Roth IRA and Roth 401(k)",{"type":18,"content":1014},[1015,1020,1029],{"text":1016,"type":22,"marks":1017},"A ",[1018],{"type":129,"attrs":1019},{"color":773},{"text":1021,"type":22,"marks":1022},"Roth IRA",[1023,1026,1028],{"type":31,"attrs":1024},{"href":1025,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/retirement/why-save-for-retirement-with-a-roth-ira",{"type":129,"attrs":1027},{"color":822},{"type":824},{"text":1030,"type":22,"marks":1031}," is a type of account where taxes are paid upfront on investments, allowing for tax-free growth and tax-free distribution in retirement. ",[1032],{"type":129,"attrs":1033},{"color":773},{"type":18,"content":1035},[1036],{"text":1037,"type":22,"marks":1038},"It’s a bet investors make that taxes will likely be higher in the future, or that their income will be higher in retirement. ",[1039],{"type":129,"attrs":1040},{"color":773},{"type":18,"content":1042},[1043],{"text":1044,"type":22,"marks":1045},"Contributions are limited to $7,000 ($8,000 if you’re over 50). There are income limits as well. ",[1046],{"type":129,"attrs":1047},{"color":773},{"type":18,"content":1049},[1050,1055,1063],{"text":1051,"type":22,"marks":1052},"A Roth 401(k) is a similar account where taxes are paid upfront for tax-free growth and distribution later. They may be available from your employer and have a higher contribution limit of ",[1053],{"type":129,"attrs":1054},{"color":773},{"text":1056,"type":22,"marks":1057},"$23,500",[1058,1061],{"type":31,"attrs":1059},{"href":1060,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.fidelity.com/learning-center/smart-money/roth-401k-contribution-limits",{"type":129,"attrs":1062},{"color":773},{"text":1064,"type":22,"marks":1065},".  ",[1066],{"type":129,"attrs":1067},{"color":773},{"type":18,"content":1069},[1070],{"text":1071,"type":22,"marks":1072},"Investments that grow and are distributed tax-free make Roth accounts a powerful option.",[1073],{"type":129,"attrs":1074},{"color":773},{"type":764,"attrs":1076,"content":1077},{"level":904},[1078],{"text":1079,"type":22},"Traditional IRA & employer-sponsored 401(k)s",{"type":18,"content":1081},[1082],{"text":1083,"type":22,"marks":1084},"Traditional IRAs and 401(k)s offer a tax deduction from the outset of the investment. ",[1085],{"type":129,"attrs":1086},{"color":773},{"type":18,"content":1088},[1089],{"text":1090,"type":22,"marks":1091},"That is, you contribute pre-tax money to these types of retirement accounts. The growth is tax-free, but it is taxed when you make a withdrawal in retirement. ",[1092],{"type":129,"attrs":1093},{"color":773},{"type":18,"content":1095},[1096],{"text":1097,"type":22,"marks":1098},"Theoretically, most retirees have lower incomes and a lower tax liability in retirement. ",[1099],{"type":129,"attrs":1100},{"color":773},{"type":764,"attrs":1102,"content":1103},{"level":904},[1104],{"text":1105,"type":22},"Treasury securities",{"type":18,"content":1107},[1108,1115],{"text":1105,"type":22,"marks":1109},[1110,1113],{"type":31,"attrs":1111},{"href":1112,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://investor.vanguard.com/investor-resources-education/understanding-investment-types/us-treasury-bonds",{"type":129,"attrs":1114},{"color":773},{"text":1116,"type":22,"marks":1117}," are considered one of the safest investments in the market. ",[1118],{"type":129,"attrs":1119},{"color":773},{"type":18,"content":1121},[1122,1127],{"text":1123,"type":22,"marks":1124},"These include Treasury Bills",[1125],{"type":129,"attrs":1126},{"color":773},{"text":1128,"type":22,"marks":1129},", Treasury Notes, Treasury Bonds, Treasury Inflation-Protected Securities (TIPS), and Floating Rate Notes (FRNs). ",[1130],{"type":129,"attrs":1131},{"color":1132},"#2E2E2E",{"type":18,"content":1134},[1135,1140],{"text":1136,"type":22,"marks":1137},"They aren’t the most exciting investments, but ",[1138],{"type":129,"attrs":1139},{"color":1132},{"text":1141,"type":22,"marks":1142},"you won’t owe state and local taxes on them. ",[1143],{"type":129,"attrs":1144},{"color":773},{"type":764,"attrs":1146,"content":1147},{"level":904},[1148],{"text":1149,"type":22},"529 College Savings Plans",{"type":18,"content":1151},[1152,1156,1165],{"text":1016,"type":22,"marks":1153},[1154],{"type":129,"attrs":1155},{"color":773},{"text":1157,"type":22,"marks":1158},"529",[1159,1162,1164],{"type":31,"attrs":1160},{"href":1161,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/investing/what-is-a-529-plan",{"type":129,"attrs":1163},{"color":822},{"type":824},{"text":1166,"type":22,"marks":1167}," account is set up for the purpose of saving money for future educational expenses. ",[1168],{"type":129,"attrs":1169},{"color":773},{"type":18,"content":1171},[1172],{"text":1173,"type":22,"marks":1174},"Contributions are made in after-tax earnings and grow tax-free. Qualified distributions for education expenses are also tax-free. ",[1175],{"type":129,"attrs":1176},{"color":773},{"type":18,"content":1178},[1179,1184,1192],{"text":1180,"type":22,"marks":1181},"Translation: Any investment in this type of account is tax-free after the initial contribution. It’s also possible to roll over these types of accounts into a ",[1182],{"type":129,"attrs":1183},{"color":773},{"text":1185,"type":22,"marks":1186},"Roth account",[1187,1190],{"type":31,"attrs":1188},{"href":1189,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.schwab.com/learn/story/529-to-roth-ira-rollovers-what-to-know",{"type":129,"attrs":1191},{"color":773},{"text":1193,"type":22,"marks":1194}," after a certain number of years, allowing the investment to continue its tax-free nature. ",[1195],{"type":129,"attrs":1196},{"color":773},{"type":764,"attrs":1198,"content":1199},{"level":766},[1200],{"text":1201,"type":22,"marks":1202},"How can I reduce tax on my investments?",[1203],{"type":129,"attrs":1204},{"color":773},{"type":18,"content":1206},[1207],{"text":1208,"type":22,"marks":1209},"There are several strategies for reducing your tax on investments. ",[1210],{"type":129,"attrs":1211},{"color":773},{"type":1213,"attrs":1214,"content":1216},"ordered_list",{"order":1215},1,[1217,1232,1261],{"type":778,"content":1218},[1219],{"type":18,"content":1220},[1221,1227],{"text":1222,"type":22,"marks":1223},"Use a tax-advantaged account. ",[1224,1225],{"type":38},{"type":129,"attrs":1226},{"color":773},{"text":1228,"type":22,"marks":1229},"By opening a tax-advantaged account, such as an IRA or your employer’s 401(k), you’ll be able to defer taxes to retirement. If you expect to make less money in retirement, this move could make sense. This option should be evaluated against other accounts, such as Roth accounts, 529s, and HSAs. ",[1230],{"type":129,"attrs":1231},{"color":773},{"type":778,"content":1233},[1234],{"type":18,"content":1235},[1236,1242,1247,1256],{"text":1237,"type":22,"marks":1238},"Hold onto your investments.",[1239,1240],{"type":38},{"type":129,"attrs":1241},{"color":773},{"text":1243,"type":22,"marks":1244}," Individual stocks held more than a year avoid the top ",[1245],{"type":129,"attrs":1246},{"color":773},{"text":1248,"type":22,"marks":1249},"capital gains",[1250,1253,1255],{"type":31,"attrs":1251},{"href":1252,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/taxes/how-to-avoid-capital-gains-tax",{"type":129,"attrs":1254},{"color":822},{"type":824},{"text":1257,"type":22,"marks":1258}," tax you’re levied when you sell stocks held less than a year. You’ll pay capital gains taxes at a lower rate by holding them for more than a year. ",[1259],{"type":129,"attrs":1260},{"color":773},{"type":778,"content":1262},[1263],{"type":18,"content":1264},[1265],{"text":1266,"type":22,"marks":1267},"Strategic tax-loss harvesting. You can use losses to offset gains to reduce the amount of tax you owe. ",[1268,1269],{"type":38},{"type":129,"attrs":1270},{"color":773},{"type":764,"attrs":1272,"content":1273},{"level":766},[1274],{"text":1275,"type":22,"marks":1276},"Get expert financial advice",[1277],{"type":129,"attrs":1278},{"color":773},{"type":18,"content":1280},[1281],{"text":1282,"type":22,"marks":1283},"Creating tax-efficient investments helps keep money in your pocket. You can do more with your money by being efficient with where you invest it.",[1284],{"type":129,"attrs":1285},{"color":773},{"type":18,"content":1287},[1288],{"text":1289,"type":22,"marks":1290},"Understanding the tax implications of every investment can be challenging. If you need help creating a portfolio with tax-free and tax-efficient investments, getting expert financial advice is the best first step. ",[1291],{"type":129,"attrs":1292},{"color":773},{"type":18,"content":1294},[1295],{"text":1296,"type":22,"marks":1297},"Unbiased can help you find an advisor and get expert financial advice for all your complex questions. ",[1298],{"type":129,"attrs":1299},{"color":773},{"type":18,"content":1301},[1302,1310,1315],{"text":1303,"type":22,"marks":1304},"Get started here.",[1305,1307,1309],{"type":31,"attrs":1306},{"href":819,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1308},{"color":822},{"type":824},{"text":1311,"type":22,"marks":1312}," ",[1313],{"type":129,"attrs":1314},{"color":773},{"type":1316},"hard_break","article-rich-text",[1319],{"_uid":1320,"image":1321,"title":1326,"subtitle":12,"component":1343,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1322,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1323,"copyright":12,"fieldtype":1324,"meta_data":1325,"is_external_url":543},69944034574555,"https://a.storyblok.com/f/185166/3148x2100/a85b00d0a8/best-tax-free-investments.webp","asset",{},{"type":15,"content":1327},[1328],{"type":18,"content":1329},[1330,1335],{"text":1331,"type":22,"marks":1332},"Best ",[1333],{"type":129,"attrs":1334},{"color":773},{"text":1336,"type":22,"marks":1337},"tax-free investments",[1338,1341],{"type":25,"attrs":1339},{"class":1340},"primary-gradient",{"type":129,"attrs":1342},{"color":773},"app-hero",{"name":1345,"created_at":1346,"published_at":1347,"updated_at":1348,"id":1349,"uuid":1350,"content":1351,"slug":1362,"full_slug":1363,"sort_by_date":34,"position":1364,"tag_list":1365,"is_startpage":543,"parent_id":1366,"meta_data":34,"group_id":1367,"first_published_at":1368,"release_id":34,"lang":730,"path":34,"alternates":1369,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Alene Laney","2025-01-10T11:20:16.824Z","2025-07-31T11:31:28.400Z","2025-07-31T11:31:28.412Z",607140568,"fa11c784-d733-4cc0-a8ec-90a90154b805",{"job":1352,"_uid":1353,"name":1345,"image":1354,"component":1358,"education":1359,"expertise":1360,"description":1361},"Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1355,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1356,"copyright":12,"fieldtype":1324,"meta_data":1357,"is_external_url":543},19801386,"https://a.storyblok.com/f/185166/1986x1986/48279a1e44/alene-laney.jpg",{},"article-author","University of Utah, BA in English Literature & History ","Laney has more than 10 years of experience in media, including newsprint, public relations, marketing, and SEO content writing. \nHer work has been featured in national publications such as The Wall Street Journal, Fox Business, SoFi, Credible, and others.","Alene Laney is an award-winning journalist for Unbiased, where she breaks down financial topics related to retirement, investing, and banking. \n\nShe specializes in helping readers make the best decisions for their money with long-form content for brands and consumer publications.","alene-laney","authors/alene-laney",-20,[],224651374,"e2751bd8-55e4-46e9-94e4-ccce2929794c","2025-01-10T11:21:18.666Z",[],[1371],{"_uid":1372,"body":1373,"title":1390,"component":1391},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1374,1378,1382,1386],{"_uid":1375,"href":1376,"text":1377,"component":542,"openInNewWindow":558},"74a0623b-8939-45b8-968c-993cc350177d","https://www.unbiased.com/discover/investing/12-investments-that-pay-monthly-income","Investments that pay monthly income",{"_uid":1379,"href":1380,"text":1381,"component":542,"openInNewWindow":558},"5e2ad70f-a971-46f4-8046-05a872e23fa3","unbiased.com/discover/taxes/how-to-make-tax-free-investments","Investments that are tax deductible",{"_uid":1383,"href":1384,"text":1385,"component":542,"openInNewWindow":558},"e6508171-3370-4f4c-a3a6-162b9a3eff92","https://www.unbiased.com/discover/taxes/safe-investments-for-seniors","Safe investments for seniors",{"_uid":1387,"href":1388,"text":1389,"component":542,"openInNewWindow":558},"5108592b-9968-4d43-9e99-6f406894c40d","https://www.unbiased.com/discover/financial-advice/top-investment-companies","Best investment companies & firms ","Related articles","app-links-list",{"_uid":1393,"title":750,"plugin":1394,"og_image":12,"og_title":12,"description":1395,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"dca65d34-1246-48c9-9c20-57acb0e21a7b","seo_metatags","Looking to reduce your tax liability? These investments are designed to help you minimize or avoid paying high taxes.","app-article",[],[],"Creating a tax-optimized portfolio is a smart move to help your investments grow. Take a look at the best tax-free investments and strategies here.  ",[],"best-tax-free-investments","discover/investing/best-tax-free-investments",-170,[],365491304,"c873e9dc-f7a2-430a-9e8e-eced7c821c33","2025-07-17T15:30:38.839Z",[],{"left":727,"top":727,"width":1410,"height":1410,"rotate":727,"vFlip":543,"hFlip":543,"body":1411},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1413,1416,1417],{"title":1414,"exact":558,"href":1415},"Home","https://www.unbiased.com",{"title":282,"exact":558,"to":295,"disabled":543},{"title":750,"exact":558,"to":1418,"disabled":558},"/discover/investing/best-tax-free-investments",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1420},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540600752]