Capital gains taxes and deductions

[jpg7n16]

You're pretty much considering taking out a loan because the interest is kinda like a contribution. And you're trying to raise your max contribution for the year?

Have you already maxed out the Roth 401k (16,500) and a Roth IRA (5,000)? If married, double those amounts
How much of a loan were you considering? What is 8% of that amount? Is it worth the hassle?
What happens if the market is significantly up? Down?

[jteezie]

I am not considering this idea serious, but more as an extension of what one can do to optimize the tax deductions because losses in a tax sheltered account have no benefit, only gains... whereas with taxable accounts, gains are taxed and losses have a possible deduction benefit.

So, yes I do max out my Roth IRA and 401k. I've maxed them out since age 18 so we're talking about 8% on a reasonable amount of money. And yeah, I think it can be seen as like a bonus 8% increase in the annual contribution limit of 16.5k.