hmmm, I didn't think about the IRA angle. that's a good point. but I think you can only invest $5K per year in an IRA, and of course transfer any existing holdings you may have had in it. I don't really know all the tax implications on the IRA since they'll be holding it until 65 or older. I believe they'll have to pay the standard income tax rates for their income bracket when they withdraw. In all likelihood, probably more than 15%.
gee, these sure are fun problems to have aren't they? lol
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