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The article discusses the concept of buying DMB, a bond with a 4.5% yield, to lower taxable income. The author explains that DMB is a tax-loss harvesting strategy that can be used to offset gains from other investments. By buying DMB, investors can potentially reduce their taxable income and lower their tax liability. The author emphasizes the importance of understanding investment concepts and theories, citing the example of Einstein explaining quantum mechanics to a friend. The article concludes by highlighting the potential benefits of buying DMB and the importance of seeking professional advice from a financial expert.

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