Best Way to Get Tax Savings on Non-Retirement account

[Miss. Takes]

I will be starting a job soon and they do not offer a 401k until I have been working there for 3 years (not talking about vesting, I can't open an account until I have literally been there 3 years).

I will already by maxing out my Roth IRA, but will have more money to save.

Any suggestions on the best way to save for retirement without a 401? Any alternatives to taxable accounts you can think of? Should i be using all this money I'm saving and just pay for a house? Any other tax-sheltered investments I am not thinking of?

If my only option is a taxable account, how do I minimize the taxes on that? What is tax efficient investing all about? How do I minimize my tax burden?

Thank so much.

[jpdcpajd]

Buy and Hold index funds like VTI get long term Gain treatment and pay 15-20% well down the road

[ZiziPB]

Does your company offer a HDHP with an HSA?  If so, you could max out that account and eventually use it as an investment vehicle.

[DrTesla]

Is there a way to see the 401k fund choices from the paper work of a Co-worker? See if there is even an option for a very low expense ratio fee. Employers get to choose what they want to offer their employees from the 401k provider service. Employees have no power for that.

[sly]

definitely look into HSA. Otherwise in your taxable account try to invest in low income assets, growth stocks with low dividend for example.

[Joel]

Depending on your marginal tax rate, you may want to contribute to an IRA instead of a Roth IRA.