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Advantages of a Self-Directed IRA

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When you invest through a self-directed IRA, you are in sole control of the investment decisions. You can invest in precious metals, real estate, stocks, bonds, mutual funds and other investment options that are not offered through a traditional IRA.

Tapping into an IRA is a privilege that comes with great responsibility. If you take on this responsibility and set up a self-directed IRA, there are many advantages to be realized. Here are some of the top advantages to using a self-directed IRA:


TAX SAVINGS:

The primary benefit to using a self-directed IRA is the ability to save money on taxes. By investing your IRA in real estate, you can receive all tax deductions associated with the property. In some cases, "tax loss" can even be used as an applicable deduction for your IRA. While IRAs cannot incur losses directly, there are certain properties that may generate losses indirectly by generating negative income for the year. This loss would then be reported on your return and could be deducted from your taxable income.

Self-directed IRAs also allow you to avoid paying capital gains taxes altogether when selling an appreciated asset. Rather than selling appreciated assets before retirement and incurring taxes on any gains, you can keep them within your account until after retirement and avoid

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Disclosure: The owners of this website may be paid to recommend Goldco Direct. The content on this website, including any positive reviews of Goldco Direct and other reviews, may not be neutral or independent.

This Gold & Silver Investor Guide will help you discover much more about the benefits gold can have for your investment portfolio today!

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INVESTMENT OPTIONS:

 

Investment Options Any investor looking to grow their retirement fund can benefit from a self-directed IRA if they have flexibility in where and how they invest their money. Most IRAs limit your investment options to traditional stocks, bonds, mutual funds and CDs; however, a self-directed IRA can be used as a vehicle for alternative investments like tax liens or real estate purchases. A self-directed IRA allows investors to diversify their portfolios by adding alternative investments that may not otherwise be available through a normal IRA.

TREATMENT OF CONTRIBUTIONS:

Treatment of Contributions The IRS limits how much an individual can contribute to an IRA each year. For 2018 and 2019, the limit is $5,500 with an additional $1,000 penalty free catch up contribution for those who are age 50 or older by the end of the year. A self-directed IRA has no such limitations. The only drawback is that you must pay taxes on the money when it is withdrawn from your account.

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