How to Dodge Taxes

Cramer loves a good dividend yield. The problem is that some of the best dividends are taxed at the regular income rate of 35%. How do you get around that? Buy these stocks for your 401(k) or IRA.

If you’re looking for an incredibly high and, often times, safe yield, go with a real estate investment trust like HCP or royalty trust like Permian Basin, Cramer said. Sometimes these royalty trusts can pay out as much as 15%.

But you don’t want to lose that steady income to taxes. That’s why it’s better to put them in your retirement account, Cramer said. By keeping these stocks in you’re a 401(k) or IRA, you won’t pay a dime’s worth of taxes on them. Your earnings will stay – tax free – and compound in your account until you’re ready to withdraw your money for that Winnebago you’ve had your eye on.

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