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"Thanks for this clear and concise post on Municipal Bonds. I believe that even though municipal bonds offer tax advantages to higher income individuals, which has come under criticism, it should be noted that the other advantages of investing in municipal bonds holds true for all investors irrespective of net worth. These advantages of municipal bonds are something to consider even if you aren't a high net worth individual, and you aren't close to retirement. However, the debate about this is quite complex, since they are negatives of municipal bonds such as encouraging municipalities to borrow excessively, or also the lack of transparency as to how the funds are spent to develop infrastructure. I agree that municipal bonds are an important tool for financing projects, but the criticism of them bring about controversy that they should be restructured for more tax advantage fairness and transparency."