- Self-Directed Accounts
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Roth IRA is attractive to many investors because of its potential tax advantages.Created in 1997 by Senator Roth of Delaware, the Contributions are made with after-tax dollars and are NOT tax-deductible. All funds within the Roth IRA compound tax-free and all withdrawals from the account are also tax-free (as long as the account owner is 59½ and the account has been open for five years).
The Roth IRA has many potential benefits, including no required distributions and tax-free withdrawals. Individuals may contribute as long as they have earned income and meet the modified adjusted gross income criteria.
The Roth IRA’s attractive features include:
Video: Self-Directed Roth IRA FAQ
Anyone who has earned income and falls within the MAGI (Modified Adjusted Gross Income) limits established by the Internal Revenue Service can establish a Roth IRA.
The IRS sets limits for how much you can contribute to a Roth IRA each year. See the current year’s contribution limits.
When a Roth IRA is referred to as a self-directed account, it simply means you can use the account invest in areas outside of the traditional stocks and bonds. That’s the primary difference between a self-directed and traditional retirement account — where you put those investment dollars.
With a self-directed IRA or 401(k), you can invest in a variety of areas, including:
Schedule a one-on-one session with an expert alternative investment counselor. We’re here to answer any questions, help guide you through the process, and provide more detailed information and education specific to your journey.
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