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Investing in Real Estate using a Self Directed IRA or 401k

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 investments. A fully self-directed retirement plan allows you the freedom to invest in many types of assets.

Here are some of the investment options that Entrust Arizona have taken advantage of:

• Real Estate – apartments, single family homes, commercial property and undeveloped land
  
• Limited Liability Companies
  
• Private Limited Partnerships
  
• Secured and Unsecured Notes (Mortgages and Deeds of Trust)
• Partnerships and Joint Ventures
• Private Stock
  

Diversify Your Retirement Investments

Over time, real estate investments have afforded many people with the powerful combination of appreciation and income. The purchase of real estate through a self-directed retirement plan is a popular investor choice for this and other reasons.

A self-directed IRA  gives you the freedom to invest in non-traditional assets, such as single-family and multi-unit homes, apartment buildings, co-ops, condominiums, improved or unimproved land (leveraged or unleveraged), commercial property, and more.

Entrust Arizona provides clients with education and support to put their retirement plan to work for them through real estate investments. You can attend one of over 200 FREE workshops a year to learn more.

Types of Property Your IRA Can Own

• Single family and multi-unit homes
• Apartment buildings
• Co-ops
• Condominiums
• Commercial property
• Improved or unimproved land (leveraged or unleveraged)

Notes on Purchasing Real Estate with your IRA

When purchased, these properties become assets of your plan or account. In addition:

• You may not personally own property that you intend to purchase with plan funds and you must ensure that your intended purchase is not a prohibited transaction.
• Neither you, your spouse, nor your family members (other than siblings) may have owned the property prior to its purchase by your plan.
• Neither you nor your family members (other than siblings) may live in or lease the property while it's in your plan.
• Your business may not lease or be located in or on any part of the property while it's in your plan.
• You may receive any property as a distribution from your plan as a retirement benefit.
  

 Use a Self-Directed IRA to Invest in Limited Liability Corporations

An LLC is a legal organization that provides the tax advantages of a partnership while limiting the legal liability of the individual partners in the same way a corporation does.

LLCs can be a great way to partner to purchase assets.

LLCs are considered securities in some states and may be required to meet the standards of securities offerings.

Purchasing nontraditional assets with a self-directed IRA can help you diversify your investments, which may guard your retirement portfolio against economic changes. Investing in an LLC is just one of the many options available with your self-directed IRA.

If self-direction is for you, why not go with the best. Entrust Arizona offers you:

• Local service. Entrust Arizona is the only self-directed IRA administrator in Arizona.
• First-hand, expert knowledge. Entrust Arizona taps into the wealth of experience of our local experts to bring you information in an easy to understand format.
• Simple processes. Since we do this everyday, we have simplified our processes so that you can quickly and easily take care of your transactions.