This is why, just my opinion,people still working and near retirement age should open up an individual Roth Ira acct.for trading. Trade frequently and no taxes if you sell the stock and keep the proceeds in the acct. Actually you are never taxed at all after age 59.5 Take this stock for example, last year $2k bought you 2 mill.shares at .0010 when this hit .10, that $2k turned into $200k tax free, if you sold. Yes this doesn't happen every day, but you get my point. If I have been mistaken info wise here, please correct me for my benefit as well as others. TIA