- 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:
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