Grow your wealth with NO taxes or commissions. Use 10 mutual funds that have earned over 10%. Use a special tax haven for your earnings and gains. "My wealth has come from a combination of living in America, some lucky genes, and compound interest." Warren Buffett, billionaire investor. He pays only 17% total tax on his income: http: //www.youtube.com/watch?v=Cu5B-2LoC4s. Many wealthy people pay less than we do. How can that be? No matter how much we earn, it is better to pay NO taxes and NO commissions so our money can compound at over 10% per year. Compounding high investment earnings is "the most powerful force in the universe." Compounding is money earning money on its earnings over time. Simple but powerful and no tax. When you invest $250 a month, $3,000 a year, in successful businesses, you earn more than a bank CD. After 10 years, you have more than the $30,000 because the businesses paid dividends and the market bid up the value of your shares of the businesses. See chart below. After 20 years, you could have over $200,000 and after 40 years, over $2,000,000. Over time, stocks of growing businesses are the safest investment. Compounding is key.