Self Directed IRA & 401(k)
Would You Like More Investment Choices for Your Retirement Funds?
It’s a common misconception among Americans that the only investments allowed in a retirement account are stocks, CDs, and mutual funds. The truth is that broader investment options have been available to the public since 1975, the year contributions could first be made to IRAs.
Why the confusion? Because the retirement industry has been dominated by large transaction-driven custodians who have focused on a narrow universe of investments. While these kinds of accounts may be right for some, they don’t offer the kind of freedom that a self-directed qualified retirement plan offers.
To fully maximize your investment options, you need to have a retirement plan that allows you to select your own self-directed investments. A fully self-directed retirement plan allows you the freedom to invest in many types of assets - assets that are not prohibited by the U.S. Treasury Department regulations and the Internal Revenue code.
With a self-directed IRA or 401(k), you are in full control and can choose from a wide range of permissible assets. Here are some of the self-directed investment options that our current clients have taken advantage of:
- Real Estate
- Limited Liability Companies
- Private Limited Partnerships
- Secured and Unsecured Notes (Mortgages and Deeds of Trust)
- Partnerships and Joint Ventures
- Private Stock
- Other investments
- Judgments/Structured Settlements
- Tax Sale Certificates
- Car Paper
- Factoring
- Accounts Receivable
- Commercial Paper
- Equipment Leasing
The new tax laws affecting retirement plans can be confusing and complicated. Depending on your financial situation, your future goals, and whether you might have an employee-sponsored plan available, you will need to choose between several alternatives.
Consult with your tax advisor or financial planner on the best course of action.
If you decide that self-directing your retirement investments is for you, we
are here to help.
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Sage Capital Advisors, Inc (“Sage”) is registered as an
investment advisor with the Office of Financial Regulation of the Florida Financial
Services Commission. The information and opinions contained in this document
are for background purposes only and do not purport to be full or complete,
and is subject to change. No representation, warranty, or undertaking, express
or implied, is given as to the accuracy or completeness of the information or
opinions contained in this document, and no liability is accepted as to the
accuracy or completeness of any such information or opinions. Sage does not
provide tax, legal, or accounting advice. In considering this material, you
should discuss your individual circumstances with a tax, legal and/or accounting
professional before making any decisions.
This document is not an offer, nor the solicitation of an offer, to enter into an investment advisory contract with Sage.