CD RATES 1.25% Return on Investment
Retirement Accounts
Retirement Accounts
Did you know you can use your retirement funds to invest?
What Are Your Investment Objectives?
Security
-CDs-Corporate Bonds-Government Bonds-Fixed Annuties
Higher Returns
-Stocks-Mutual Funds-Variable Annuities
Many Americans want to get involved in investing one way or another, but don’t think they have available cash to invest. Well, did you know that you can buy real estate in IRAs?
IRAs (Individual Retirement Account) and 401(k) plans are long term savings accounts which allow your money to grow tax free while it is in the account. 401(k) plans are offered through your employer while an IRA is an account you set up on your own.
When most people think of investing, most think of traditional options like stocks, CDs, bonds, mutual funds, or annuities.
ANNUITY RATES 4.35% Return on Investment
BOND RATES 3.85% Return on Investment
S&P 500: Last 10 Years 5.88% Avg. ROI Per Year
SUMMARY: If you were a private investor, where would you rather invest?
OPTION "A" = NOT US
- CD = 1%
- Annuities = 4% or less
- Bonds = 4% or less
- Stock Market past 10 years = 6%
- Stock Market past 100 years = 9%
- Significant volatility
- No control over investments
- THE WEALTHY DON'T DO OPTION "A"
OPTION "B" = US
- We pay 12% minimum
- OR
- 15% of profit
- whichever is greater
- Predictable
- Control over investments that you can see and touch
- THE WEALTHY DO OPTION "B"
As you can see based on the graphics above, those are the average types of returns you can expect from CDs, Annuities, Bonds, and Stocks.
But there is an investment option available that has even greater average returns. Real Estate.
You Need to Learn How to Buy Real Estate in IRAs
Investment Options for your Retirement Account
Did you know you can buy real estate in IRAs?
Real estate is not permitted in a 401(k) but you can make a transfer or a loan against it in order to allow you to invest. While you don’t get the benefits of any employer matching contributions like in a 401(k), you can buy real estate in IRAs.
What is a Self Directed IRA?
- A Self Directed IRA is an IRA where the owner is required to make their own investment decisions.
- Non-traditional assets: like real estate, LLC's, oil and gas, etc
- Self Directed IRA custodians Like (Horizon Trust who I use) set up real estate investments inside of an IRA.
- Any 401k, IRA, ROTH IRA, SEP IRA or HSA account owner can make investments like real estate in those accounts
- Sample investments
-- Note (I.O.U) w/ Mortgage
-- Buy stock in company
In order to be able to utilize funds from your retirement account to invest in real estate, there is just a simple 3 step process.
1. Set up a self directed IRA account
2. Fund the account
- Rollover = from 401k or 203b
- Transfer = from another IRA
So, for those of you who never knew you could use your IRA or 401(k) to invest in real estate, well this is a great day for you!!
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