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Self-directed IRAs are tax-advantaged accounts for investing in assets in addition to traditional stocks and bonds. Many investors see the opportunity to invest in assets such as real estate, tax liens, purchasing notes, precious metals and more.
Self-directed IRAs allow you to build wealth for your future by investing in assets that you are familiar with.
But, what happens when you find an opportunity and you don’t have enough money in your IRA? Can you co-invest with your IRA?
Yes, partnering your self-directed IRA with another funding source is possible. Here are six possible ways you can partner your IRA funds to take advantage of that investment opportunity.
How to partner your self-directed IRA: Six options
1. Your non-IRA money
Although you are considered a disqualified person to your own IRA, it’s possible to partner with your personal funds to take advantage of an investment opportunity.
Your IRA would be responsible for expenses and receive income based on the percentage of the IRA investment.
Since an IRA is intended to benefit you upon retirement, this can be a slightly complicated option in terms of partnering your IRA. However, if you follow the self-directed IRA partnership rules and regulations regarding disqualified persons, it may be an option for taking advantage of an investment opportunity.