Alternative Investments In Your IRA

IRA Alternative Investments!

Home is where the heart is it's true.  Your home should be the place where you feel most comfortable.  

If you are a potential real estate investor...

One way to diversify your retirement investments is to buy raw land, a house or a commercial building. For many people most or all of their investment money is in their IRA or 401(k). 

All of your IRA/401(k) money doesn’t have to be in paper assets.
Most investors believe they cannot use IRA money to buy real estate. They are wrong. You can invest IRA/401(k) money in a wide range of investments, including stocks, bonds, mutual funds, money market funds, saving certificates, U.S. Treasury securities, promissory notes secured by mortgages or deeds of trust, gold coins, limited partnerships and ... real estate. So if you have recently left an employer with a 401(k) you may be able to purchase real estate around the corner or from around the country.

 New tax laws help even more

Until the passage of the Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA) it didn’t make sense for one-man businesses or the self-employed to establish 401(k) plans. But as of January 1, 2002, owner-only businesses can establish solo 401(k) plans and roll previous “qualified” plan money into a retirement plan of their own. The new portability rules allow movement of IRA money into a 401(k), a previously unavailable option.

Real Estate offered through Independent Realty Professionals. IFG is not affiliated with Independent Realty Professionals Inc.or Symphony Financial Services LLC.

Tax information sourced at www.irs.gov. Some qualified plans have contribution limitations and tax consequences for early withdrawals. Real estate within your IRA may be subject to Unrelated Business Income Tax (UBIT). Before implementing any significant tax or financial planning strategy, contact your attorney or tax advisor as appropriate.