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Self-Directed IRAs: Your Future, Your Decisions

There’s a way to protect yourself from the stock market losses we’ve witnessed the last few years that have jeopardized individual’s retirement nest egg. With the shifts of the market, many people have seen 50%, 60% and even more of their investments vanish, with no prayer of recovery. That scenario makes it imperative that you take hold of your investment portfolio, and start earning returns that are not taxable until you remove the money for retirement. The smart pick is a self-directed IRA. Within that IRA, either a traditional IRA or a Roth IRA, you have a variety of allowable non-traditional investment options from gold to real estate. Self-directed IRAs have been part of the tax and investment code since 1972, yet many people are unaware of them. There are several reputable custodians that exclusively deal with self-directed IRAs; among them Equity Trust Company and Entrust New Directions IRA. Fees for these companies vary, so be certain to have a clear idea of the number of transactions you anticipate making before deciding on your custodian company. You can pick out non-traditional investments without taking un-needed risks, and still see excellent returns . You can even join in with other people, invest in a fund and spread out both the risk and returns. You can set up an LLC and have it make investments for your individual retirement account.

If history teaches us anything , it is that there is a cycle to industries that smart investors see and take advantage of. Currently real estate markets are undervalued in many areas of the country, making this a buyer’s market, and making real estate a smart buy for a self-directed IRA portfolio . Look for a real estate investment secured by a note or deed with a fixed rate of return within your IRA, or a real estate fund that minimizes risk by spreading the investment over a number of properties with moderate LTV (loan-to-value) ratios.

Taking control of your IRA portfolio means increased opportunities to secure your financial future.