Suppose you are 28 and married. You and your spouse file for income taxes jointly. You are in the 25% tax bracket. You are considering a few personal investment issues.

Which of the following strategies is most tax efficient?

a. Invest all your income inside your after-tax investment account.

b. First, fully fund your 401 (k) or 403 (b) account, then invest the rest in the IRA and Roth IRA account, finally invest the remaining money, if there is any, in the taxable investment account. c. Fully fund your 401 (k) or 403 (b) account, then invest all the rest money in the after-tax investment account.

d. First, fully fund your IRA and Roth IRA account, then fund the 401 (k) or 403 (b) account, finally invest the remaining money, if there is any, in the after-tax investment account.