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An IRA holder’s private knowledge and investment experience can be used for the benefit of their IRA. In fact, almost any investment that makes money outside of an IRA can also be used to make money inside an IRA. Alternative assets lie outside of the stock market and bring balance and diversity to your retirement portfolio. Invest in a market that is familiar to you. Put your knowledge and experience to work for the benefit of your IRA’s growth.

Many investors have a personal agenda when it comes to choosing assets. For example, some account holders favor “green” investments. Other individuals choose to invest in local opportunities.

As long as the asset acquisition is a real, economic transaction intended to make money for the IRA, the IRS will allow you to exercise your own agenda when selecting an investment.

Advocate for a cause, pursue your passions, and enlist your expertise to invest in alternative assets. Investors can support local economic growth and development, and follow the beat of their own drum when choosing alternative assets.

Important Things To Know

  • The IRA is the owner of the assets, not the IRA holder. Therefore, acquisition and maintenance costs come from the IRA, and proceeds go back into the IRA.
  • All legal documents related to an IRA-owned asset must be in the name of the IRA, not your personal name.
  • Disqualified persons rules apply to all IRA held assets.
  • The IRA holder may not derive an income from the IRA’s assets.
  • The IRA holder can provide direction and strategy for IRA assets but cannot provide “sweat equity.”
  • If an IRA invests in an ongoing business, Unrelated Business Income Tax may need to be addressed by the IRA.

Possible Alternative Assets & Returns

Asset How Does my IRA Make Money?
Real Estate Rental income and/or proceeds from the sale
Trees Sale revenues when harvested
Green Company Dividends or increased value of ownership
Road Grader Rent to construction company or other lessee
Discounted Note Payments made after acquisition
Mineral Rights Receive royalties or sell the rights

Why Self-Direct?

  • Control - Self-directed retirement puts you back in the driver's seat of your financial future.
  • Experience - You can implement your tried and true alternative investment strategies with a tax-advantaged savings vehicle.
  • Diversity - A basket of stocks, no matter how diverse, can wax and wane with the broader market. With self-direction, you can achieve true portfolio diversification with access to many different assets in multiple industries.

Its Easy to Invest for Retirement With an IRA

Step 1 Open Your Account - Complete our online application. Your new account will be fully opened within two business days.
Step 2 Fund Your Account - Make a contribution, transfer money from a similar account (Traditional IRA to Traditional IRA), or initiate a rollover from a dissimilar account with the same tax status (401(k) to Traditional IRA).
Step 3 Make Your Investment - Buy real estate, precious metals, private equity, loans, and more!

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