Fender's final approach to retirement.

[ChadR]

Yes, munis make more sense for those in the higher income tax brackets. Or if they are exempt from your state taxes. Putting them into a retirement account is a waste. Also, you will need to check if the muni you are buying is exempt from your state taxes. Some states only exempt muni interest if it is from that state. So it could be exempt from federal taxes, but taxable for state taxes. And if you are in a state that doesn't have a state income tax, they are less valuable.