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A self-directed IRA (SDIRA) is technically the same tax-advantaged account you may find at any brokerage firm, custodian, or bank.
The difference with a self-directed IRA is that it enables you to invest in a wide range of alternative assets, such as real estate, promissory notes, and private equity in addition to traditional investments, such as stocks, bonds, and mutual funds.
Investment possibilities include:
Why self-direct your account? Self-directed IRAs and other tax-advantaged accounts put you in control of your financial future. Create a customized portfolio with the freedom to invest in alternative and traditional assets, while potentially reducing or eliminating taxes on your investments.
Due to the unique nature of a self-directed IRA, you need a custodian that’s specially equipped to handle the accounts’ administrative requirements. Not all self-directed IRA custodians are equal: before entrusting your financial future to a firm, you should ensure you’re comfortable with their industry experience, knowledge, and customer service.
Custodian Responsibilities | Account Holder Responsibilities |
---|---|
Distribute funds to chosen investment | Find your own investment(s) |
Custody assets | Perform due diligence |
Process transactions | Direct the activities for your account |
Maintain records | |
IRS reporting |
IRS tax code defines retirement plans and The Employee Retirement Income Security Act (ERISA) of 1974 outlines rules and tax implications of transactions within qualified plans. General rules to follow can be broken down into a few categories:
Here are the three steps to getting started with an Equity Trust self-directed IRA or other account:
Don’t entrust just any company with your financial future. Named Best Overall Self-Directed IRA Company of 2022 by Investopedia, Equity Trust is your best choice:
Read about investing rules including disqualified persons, indirect benefits, and more.
Browse the tax–advantaged, self-directed acounts and find one that matches your savings goals – from retirement to education to health care savings.
Learn about Equity Trust’s straightforward, all-inclusive fee schedule.
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.
We respect your privacy and will not use the information you provide for any other purpose.