Self-Directed IRAs and Your Retirement
Self-directed IRAs give you the power to invest your retirement savings into investments that you know and understand and achieve returns in excess of traditional IRA options.
What is a Self-directed IRA?
Self-directed IRAs are practically the same as normal IRAs. The only difference is that you are able to choose where your money is invested from all of the available investment options (stocks, bonds, real estate, businesses, or even apartment complexes) instead of being limited to traditional IRA investments such as stocks, bonds, and mutual funds. This is very attractive, especially for those who have investment experience and who know how to manage their funds in order to obtain maximum profit while still enjoying all the benefits of traditional IRAs (tax deductions, tax-free profits, and estate planning).
Benefits of Self-Directed IRAs
- Taxes: Self-directed IRAs allow taxes on assets held inside the IRA account to be deferred or postponed until the money is withdrawn from the account at retirement. With alternative investments, account owners can take a more proactive approach toward improving investment returns because they can choose assets that are not publicly marketed. Additionally, if invested in real estate, taxes on appreciation and rental income are deferred, so an investor can grow his or her portfolio at an even faster rate.
- Diversification: Account holders can make both traditional and alternative investments within self-directed IRAs. The self-directed IRA allows people to diversify into many different assets.
- Control: With self-directed IRAs, you will be able to take control of your retirement savings and invest your money in investments that you understand. You aren’t stuck waiting for the ups and downs of the stock market to determine your return.
- Multiple Streams of Income: When investing in real estate, you can benefit from Appreciation of your asset, Cash Flow generated, and Loan Principal Pay-down by your tenants.
What can I invest in with a Self-directed IRA, and what is not allowed?
Self-directed IRAs are specialized accounts that allow their holders to invest in anything except for life insurance, collectibles, and investments that would personally benefit them or close family members, as restricted by the IRS. Real estate, private placements, and businesses, among other things, are common investments within self-directed IRAs. Be sure to refer to a knowledgeable self-directed IRA advisor to find out if your desired investment is qualified.
Ready to get started?
Let ApartmentVestors guide you through the process of setting up and investing your IRA or old employer 401K and refer you to a knowledgeable advisor. A retirement account custodian can provide the most up-to-date information regarding your retirement account diversification. Regulatory knowledge and customer service throughout the investment process are essential elements for every diligent account owner.
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Investing with you and my IRA has been effortless. You have worked so hard for all of us and it shows! The investment and our experience have completely exceeded my expectations and I look forward to investing in more projects with you. – Elise
You mean that after giving me back my whole investment in only a year, I still get paid every quearter and can reinvest in other projects and get paid on them as well? These investments are awesome! – Dr. M.
I was very hesitant to invest with ApartmentVestors after workign with other real estate investment companies who were only out for themselves. ApartmentVestors has done exactly what they said they would and they really care about me, the investor. It’s the best investment I have ever made. I only wish I would have invested more. – Mahavir
We are so glad you purchased this property. We were skeptical, but you have done everything you said you would and more. It’s amazing the transformation you’ve made. We now use you as an example of how to turn a property around and improve the community. We hope you purchase more properties in our city. – Officer Kirk, City of Gladstone
I can’t believe how much you’ve changed our property for the better. It looks awesome! I am so proud to be an owner and investor. The checks each quarter are nice too! – Melissa