所以投资者们在没有首先考虑免税账户的情况下，使用未注册的储蓄账户则没有任何意义。

So there is no point of having money sitting in a non-registered saving account, without fully utilizing the tax-fee account in the first place, "said Golombek."

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如果在你的税务报表里面没有链接，这就意味着你有着罗斯个人退休账户或者其他退休账户一样的免税账户。

If you do not have a link to your tax statements, this means you have tax-free account such as a Roth-IRA or other retirement account.

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