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Many investors are surprised to learn it is possible to invest in real estate using their IRAs.
Using self-directed IRAs and other retirement accounts, you can hold a variety of assets including commercial property, residential property, raw land, tax liens, promissory notes, private entities, and more.
Many investors open self-directed accounts to diversify their portfolios with alternative investments, within a tax-advantaged environment.
Though some investors may not have heard of the concept, self-directed investing is nothing new. Since IRAs were introduced in 1974, the IRS has only listed a handful of items that are not permitted in an IRA. (See IRS Publication 590 for the list.)
What’s the Catch?
If nearly any investment is allowed in an IRA, why haven’t you heard of it before? It could be because many IRA providers don’t offer this type of account. You must open an account with a custodian that’s qualified to offer self-directed accounts.
[Related: Questions to ask a custodian]
Which Accounts Can Be Used to Invest in Real Estate and Other Alternatives?
People are often surprised to learn there are several retirement plans available to self-directed investors. The most common accounts are the Traditional IRA and the Roth IRA.
Other accounts that can be self-directed include: