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 your 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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