@syeds_wealth_blueprint: The tax-free income strategy the wealthy have used for decades that nobody taught you is called municipal bonds — loans to state and city governments that pay interest completely exempt from federal taxes. A 4% muni yield equals 6.35% in a taxable account for investors in the 37% bracket. Municipal bond default rates are 50 to 100 times lower than corporate bonds at the same rating. Muni yields just spiked to some of their most attractive levels in years — MUB now yields 3.4% tax-free, equivalent to 5% taxable for 32% bracket investors. Vanguard VTEB at 0.03% expense ratio and VTES at 0.07% are the lowest-cost options. A 32% bracket investor shifting $100,000 into munis saves $1,000 to $1,500 in taxes annually — money that stays invested and compounds instead of going to the IRS. A former hedge fund manager explains exactly who benefits most and how to access it. Not financial advice. Investing carries risk and permanent loss of capital. #municipalbonds #MUB #VTEB #taxfree

Wealth Blue Print

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Sunday 20 September 2026 19:59:54 GMT