回复：If you take higher risk to get higher return

and don't care about your tax status, highly possible the results are: If you make it, get 2-5% higher return and uncle Sam is happy because the all the gains go to tax; if you fail (due to higher risk), then you are the only one suffer since you are the only one responsible for the loss.

Many people complains about FA's performance. Either they run into "Mr Wu Z" or they don't fully recognize/utilize financial advisor's function. If a FA tells you that he/she can get (even worse, guarantee)you higher return on investment but not care about your current and potential future tax status, I won't hire him/her. As I stated, a good Financial Advisor has good knowledge on tax and estate planning and works closely with clients' CPA and trust attorney. Most of people here have been working hard for years and cumulated a few 米, the investment goal should switch to preserve the value/risk control instead of taking risk to make a few % on return.