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Questions tagged [self-directed-ira]

A self-directed IRA, provided by some financial institutions in the United States, which allows alternative investments for retirement savings. Some examples of these alternative investments are: real estate, private mortgages, private company stock, oil and gas limited partnerships, precious metals, horses, and intellectual property.

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Considerations re: LLC on SSDI

I am disabled and receive SSDI. I will have some money from inheritance and insurance settlement from an injury. I'd like to put the money into an LLC (for shelter, exclusion and self directed ...
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1answer
173 views

Source of funds for formation of IRA-owned LLC

I've been reading the excellent book The Self Directed IRA Handbook by Mat Sorensen. My understanding is that I can achieve personal control of the checkbook for my retirement investments by forming ...
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2answers
371 views

Using a self-directed IRA to buy vacation condo, rent it out to an LLC for $1

Let's say I have $80k in a 401(k). I know there are benefits and drawbacks to buying property with a self-directed IRA. If I buy a condo in a vacation/rental area with the IRA for $80k, the IRA then ...
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4answers
916 views

Unmarried couple, should we open a joint investment account or separate accounts?

My partner and I are unmarried and will be remaining that way. We want to finally start an investment portfolio and taking advantage of things like IRAs etc. I will be managing the portfolio(s) for ...
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1answer
108 views

Moving 401k balance into self-directed IRA

This question is similar to Moving current employer 401k balance into self-directed solo 401k?, but since I am not self-employed, I'm looking to move the money into a self-directed IRA rather than a ...
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1answer
54 views

IRA contribution income limits different than deduction income limit?

I never had to consider it, but am I correct in noticing that the income limits Traditional IRA contribution are different than the income limits for actually taking the tax deduction? The conundrum ...
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1answer
93 views

Use of Self Directed IRA for Lending Second Mortgage

Here's the scenario: Let's say that I have someone who wants to borrow money from me to buy or rehab a house (i.e. secured loan), but I do not have enough money in my personal savings or self directed ...
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2answers
33 views

Automatically get pre-tax funds in a self directed Traditional IRA

A company I am employed with doesn't offer a IRA. Self directed Traditional IRA isn't a problem, but I would like the pre-tax contributions to come out of my paycheck, instead of waiting till the next ...
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1answer
221 views

Any differences between rolling 401(k) versus 403(b) to IRA while working abroad?

Are there any practical differences between rolling a 401(k) versus a 403(b) to IRA while working abroad? Ideally would like to get the same provider to deliver both these services.
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2answers
132 views

Joint or separate IRA from 401(k) and 403(b), for couple moved abroad

My spouse and I moved overseas. We are considering converting our 401(k) and 403(b) to self-directed IRAs. What would be the pros and cons of combining both, in 1 IRA, versus 2 individual IRAs?
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1answer
71 views

Qualified Stock Options purtchased through my Roth IRA

I have qualified stock options for the company I work for, and want to have them paid for out of my Roth IRA. Can I do this?
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1answer
127 views

Self directed IRA holds income property that generates cash flow. Can we withdraw based on wife's age?

I have a self directed IRA that has invested in income property. It generates a few thousand a month in positive cash flow which is currently being re-invested in other funds that the IRA holds. ...
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2answers
150 views

Self-directed rollover IRA and foreign country investment

I have self-directed Rollover IRA account. I see a good opportunity to invest in foreign country as fixed deposit for 5 yrs. If in Indian Rupee it will earn more interest versus US$ denominations. I ...
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1answer
245 views

I'm self-employed, should I contribute to a SEP-IRA or a Solo 401k?

I own my company and am the only employee. I have set up a SEP-IRA, but have yet to contribute to it. Can anyone expand on benefits of my SEP-IRA vs. opening a Solo 401k and contributing to it instead?...
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1answer
659 views

If I put dividend-paying stocks in my IRA, where does the dividend go when paid?

I have a rollover IRA from an old job's 401k. I have had it sitting uninvested (where it's outperforming my new job's 401k) and I want to start investing it on my own. If I put a stock that pays a ...
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1answer
2k views

Can I use my Roth IRA to start a business?

I've recently been reading up on Roth IRA to Self-Directed IRA plans. And I've seen a few places that mention their use as a seed-fund to start your own business.. Where can I find the parts of the ...
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4answers
2k views

What are the advantages/disadvantages of a self-directed IRA?

I recently learned of self-directed IRAs. Here is how it works: I open a self-directed IRA account with a company that acts as a custodian of my account (here is a short list of such companies). I ...