Self-Directed IRAs

A self-directed IRA or other self-directed retirement account is technically the same type of account you may have at a brokerage firm such as Fidelity, Vanguard or Charles Schwab, but in addition to selecting which stocks, bonds and mutual funds are held in your account, you are able to “self-direct” your retirement funds across a wide range of investment types.
 
A self-directed IRA puts you in the driver seat of your financial future, giving you the freedom and control to invest in assets you know and understand. 
 

Discover the Power of Self-Directed IRAs

These powerful accounts combine the tax advantages of retirement accounts with almost endless investment options. You are in control – you find your own investments and perform due diligence, we handle distribution of funds, custody the asset(s), process all transactions, maintain records and provide IRS reporting.
 
You are not limited to stocks, bonds and mutual funds – self-directed IRAs allow you to invest in real estate, private equity, notes, precious metals, tax liens, and much more. 
 


Who Can Custody or Hold IRA Assets?

Federal law requires IRAs and other retirement accounts and assets to be held by a bank, trust company, credit union or IRS approved non-bank custodian.
 
Equity Trust is a passive non-bank custodian, which means we do not provide any tax, legal or investment advice.
 
Equity Trust does not sell investments, determine suitability or provide due diligence on investments. 
 
 

Investment Options for Self-Directed Investors

As long as IRS guidelines are followed, investment options within a self-directed IRA are virtually limitless. Some of the most popular investments Equity Trust custodies include:
 
Real Estate, Private Equity, Promissory Notes, Precious Metals
 

Self-Directed IRA Rules and Regulations

IRS tax code defines retirement plans and The Employee Retirement Income Security Act (ERISA) of 1974 outlines rules and tax implications of transactions within plans.
 
General rules to follow can be broken down into a few categories: prohibited transactions and investments, disqualified persons, indirect benefits, contribution limits, fair market valuations (FMV) and unrelated business income tax (UBIT).
 

Self-Directed IRA Investing Process

Once an account is established, the investment process is rather straightforward. Your IRA (or other retirement account) actually makes the investment in the asset of your choosing, the funds to purchase the asset come directly from the account, all expenses and profits as well as any sales must be paid or returned to the account.
 
 

Common Questions

While the most relevant information regarding self-directed IRAs has been covered, there are many questions that are frequently asked. Find answers to these common questions here.
 

Self-Directed IRA Costs

Equity Trust has eliminated complicated fee structures common with other custodians. Annual account fees are all-inclusive. Special service fees may apply, see fee schedule for additional information. 
 
New accounts are subject to a one-time set-up fee in addition to a standard yearly maintenance fee based on your account value.