How to Minimize the Taxes in Retirement Portfolios

My adult children do use these kind of portfolios. They use, in particular, the golden ratio portfolioar eldest to save for the down payment for a house. He's following the house hacking recommendations of scott trench in the book set for life. I suppose the two ways of getting around those issues would be to use gold miner stocks like the e t f and g d x. Or there is a alternative gold fund called fizz p h y s that at least claims to be taxed not like gold, or other gold e t f. But i'm not sure the juice of those lemons is worth the squeeze,. particularly when you consider they do not have the same diversification properties as