Self-Directed IRAs – Are You a “Gold Bug”? If So, Here’s Why You Should Consider One

“Gold bug.” It might sound like something you’d find in the lawn, but you’re more likely to find one on a cable business channel. What is it, exactly? The better question might be: who are they? They’re investors who believe that gold is one of the safest and wisest investments out there. They believe in the long-term value of gold, believe that gold is a hedge against inflation, and are anxious to take their money out of the dollar and put it in gold. Subsequently, many of these independent-thinking types turn to Self-Directed IRAs to give themselves the protection of a retirement account and the security of gold and silver investments.

What it Means to be a “Gold Bug” in the World of Self-Directed IRAs

First, let’s define your investment profile. The kind of investments many people turn to will vary depending on where their priorities lie. If you think you might be a gold bug, try answering a few of the following questions:

  • …do you believe that it’s important for a retirement portfolio to hedge against inflation and a potential decline in the value of the dollar?
  • …do you believe that gold and silver are likely to retain and enhance in value over time?
  • …are you wary of the stock market and want to make sure that you at least have some sort of hedge in other types of investment assets?
  • …are you interested in a more “unconventional” style of investing—one that doesn’t necessarily throw the rulebook away, but goes a little bit off the beaten path to find one that more suits your way of thinking?

As you might have guessed, if you answered “yes” for a majority of those questions, you might just be a gold bug. Now the question remains: what are you going to do about it?

Investing in Gold with Self-Directed IRAs

The beauty of the self-directed retirement account is that it gives you plenty of opportunities to take your financial destiny into your own hands. The IRS actually allows for all sorts of investment types via the retirement account, which means that you can have the security of knowing that your investments are protected in one of these accounts…even if you’re not strictly investing in bonds and mutual funds.

Many people turn to gold because they believe that gold will tend to retain its value over the long-term. Although the long-term returns on goal aren’t traditionally high, there have been many periods in which gold has seen rapid growth. It’s traditionally seen as a “hedge” against inflation as well as an alternative to investing in stocks and bonds.

Investing in gold is simple if you want to work through a Self-Directed IRA. It simply means establishing the right kind of IRA for yourself and taking control of it; you can review the different ways of establishing a Self-Directed IRA by continuing to read about them here at AmericanIRA.com.

Is Gold Investing For You?

We’re not telling you that you have to change to a retirement portfolio of 100% gold. Even “gold bugs” don’t often do that. What you do want to consider is having a substantial amount of precious metals—even if it’s not a substantial percentage of your overall portfolio.

If you’re interested in learning more about gold investing in Self-Directed IRAs, check out our precious metals section or call us at 1-866-7500-IRA(472) to learn more about how all of this works. It will help you acquaint yourself with retirement accounts, the Self-Directed IRA, and, yes, gold.

A Guide to Holding Physical Gold in a Self-Directed IRA

yacht_iso_alt_800_wht_17466Quick: picture “wealth.” Go ahead, close your eyes and imagine what wealth means to you. To some people, envisioning wealth might come jam-packed with images of yacht clubs and expensive travel. To others, it simply means enjoying a secure, large estate (and maybe a Self-Directed IRA).

But for a certain percentage of the population, real wealth means only one thing: physical gold bullion.

And for good reason. Gold has been one of the most instantly-recognizable forms of wealth since antiquity, when it was used as hard currency. These days, gold still retains its value in the marketplace and often climbs higher and higher. If you want to maintain your retirement portfolio’s security, you’ll do well to look into a gold Self-Directed IRA, one that allows you to place your investments in a form of wealth that predates the country itself.

Rolling Over: A Quick Way to Access a New Self-Directed IRA

If you’re interested in getting started with holding physical gold in your retirement portfolio right away, then a rollover can be a great waytwo_brick_gold_bars_800_wht_2721 to kick it all off. Many people who have had 401(k) plans at their former workplace…or even people who still work there, find that a tax-free rollover from a 401(k) to a traditional IRA allows you to hold assets of gold, silver, or platinum. These assets include mining stocks and gold ETFs, as well as actual coins and bullions, though these are subject to certain restrictions that you’ll want to be aware of before getting started. For example, you’ll be restricted to bullion or coins, not precious metals in the form of jewelry within an IRA.

Even with those limitations, it’s very easy to get started investing in precious metals through a Self-Directed IRA; it only requires a quick rollover and an understanding of which kinds of investments are available to you.

What Kinds of Gold Can You Have?

Let’s talk specifics. In a retirement account, you can hold:

  • Gold ETFs
  • Gold mining stocks
  • Physical gold in the form of coins or bullion

Jewelry, as stated, should not be included in your retirement plans. You might include it in your overall portfolio, but they can’t be held within the confines of a Self-Directed IRA.

Other Ways of Owning Gold

stack_of_shiny_gold_coins_800_wht_17147(1)Making investments in precious metals is much easier than you might think. Some people tend to think about owning gold as buying a few coins and storing them in a safe somewhere. And that can certainly be the case, but there are more ways to have money tied up in the gold market. The most popular form might just be Gold ETFs, or exchange traded funds. These funds offer a stable form of investment that helps you to keep money in gold without doing a heck of a lot of research or stock-picking.

If you’re comfortable with stock picking, it is indeed possible to hold gold mining stocks…though for most investors, ETFs tend to be the safer picks.

Bullion in the form of coins or bars is a popular way to own physical gold. You shouldn’t expect that you can own a gold necklace in your Self-Directed IRA, but gold coins and bullion are another issue entirely. One reason for this is that it’s easy to measure the value of gold that’s been pressed and labeled with its weight and purity.

[tweetthis twitter_handles=”@iraexpert” hidden_hashtags=”#PreciousMetals #Gold #Silver”]Interested in investing in gold with a Self-Directed IRA? [/tweetthis]Call us at (866)-7500-IRA(472) to talk about rollovers and how Self-Directed IRAs can help you grab the reins of your retirement plans. You’ll be amazed at what you can do when you look into all of your options.

 

 

 

 

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Why Consider Gold, Silver and other Precious Metals for a Self-Directed IRA?

Precious Metals

“Precious metals.” Those two words mean a lot to investors. To some, they represent an interesting way to diversify your portfolio. To others, they represent the most important way to ensure that your wealth is protected against economic disaster. But no matter where you wind up on the spectrum, you’ll likely find that there’s room for precious metals within your Self-Directed IRA.

Of course, that doesn’t answer the basic question outlined in the title to this article: why? What’s so great about gold, silver, platinum, and all of the other precious metals that they should be considered such an important way to build a portfol

io? The truth is, few people actually have this question answered – they just include gold and silver in the likes of a Self-Directed IRA because they’ve heard it’s a good thing to do.

So let’s break it down, and go back to the beginning: let’s evaluate the potential value of precious metals as an investment, and figure out if they might be a great way for you to use your Self-Directed IRA to your advantage.

Precious Metals: A Currency Since the Dawn of…Well, Currency

Precious Metals

Many investors who are particularly “bullish” about the opportunities present in precious metals will tell you that they love gold and silver because of their important to humankind as a currency throughout the ages. Going back to ancient Rome and beyond, gold and silver have been precious commodities through which wealth, goods, and services were exchanged. Needless to say, civilization doesn’t just abandon a habit like that overnight.

But what does that say about gold and silver’s relevance in this day and age? Well, up through the 20th century, the United States itself used gold as the backing for its chief currency via the “gold standard.” Around 45 years ago, the gold standard as left…and yet the price of gold against the dollar has actually vastly improved since then. It looks like gold and other precious metals aren’t going anywhere…and that’s one thing investors love about them.

Reasons to Incorporate Precious Metals into a Self-Directed IRA

Because of the aforementioned ability of gold and silver and other precious metals to retain their value over time, many people love putting them aside for retirement to ensure that they have some of their wealth tied up in something that isn’t based on the fiat currency of the time.

[tweetthis twitter_handles=”@iraexpert” hidden_hashtags=”#PreciousMetals #Gold #Silver”]You might find precious metals to be attractive…[/tweetthis]

If you want your Self-Directed IRA to give you security and peace of mind because you believe that it will retain its value even in tough economic times, then you might find gold and silver and other precious metals to be particularly attractive. In fact, many people who come to Self-Directed IRAs in the first place do exactly that because they want to diversify their portfolio or break a little piece of their nest egg “free” of the most dated traditional advice.

Does that mean that gold, silver, and other precious metals are invulnerable to the market as a whole? Of course not. Their prices fluctuate, just like everything else. Yet avoiding risk is not in finding the perfect investment; it’s in using investments as a tool to create an overall portfolio that sees less risk. It’s not difficult to see how gold and silver might be tools through which you can accomplish this. In fact, you’ll find that they are among the most powerful tools investors can use to ensure that their money is not completely tied up in stocks.

If you’re interested in making precious metals a part of your nest egg, you might consider opening up a Self-Directed IRA to make investing in these commodities a breeze. Contact us at 1-866-7500-IRA(472) or keep browsing AmericanIRA.com to learn more.

 

 

 

 

 

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Should Precious Metals Be a Major Part of Your Retirement Plan?

precious metalsGold, silver, platinum, and other precious metals. To some, they represent the only kind of “real wealth” out there. To others, they represent a sketchy and unpredictable investment that should only comprise a small amount of your retirement portfolio.

Who’s right? Well, no matter where you are on the spectrum, it’s important to realize that gold, silver, and other precious metals are simply another investment type. That means they inherently contain some diversification value. But in a broader context, you should evaluate your overall retirement goals to better discern whether you should take advantage of your Self-Directed IRA to invest in these precious commodities.

In this article, we’ll look at how larger or smaller precious metal portfolios—and their different makeups—vary from investor to investor depending on how they value these metals, as well as their individual goals and dispositions. Then, we’ll try and figure out where you might fit.

Different Types of Precious Metal Investors

Although most investors agree that a well-diversified portfolio should include some amount of gold and silver, the question of just how large a portion this amount should constitute is a highly contentious one. Across the spectrum, you’ll find investors that will say all sorts of things about the precious metals.

  • Conservative precious metal investors tend to look for just 0-4% of their portfolio in precious Precious Metalsmetals…sometimes, even less. They believe that the long-term annualized return of an investment on gold is where investors should look to gauge its true value…and they point out that the stock market tends to outperform it over time. If you’re thinking long-term, this might be a good strategy for you.
  • Diversified investors might not necessarily place a high premium on the value of gold and silver, but they still recognize that diversification isn’t done through the stock market alone. They view gold and silver as emergency investments that they typically buy and keep over the long term. These investors might invest anywhere between 2-10% of their portfolio in precious metals.
  • Aggressive precious metal investors believe that fiat currency is a problem, and investments in commodities are one of their personal solutions. A portfolio as high as 10-15% and beyond is typical for those “bullish” on precious metals—though it’s rare to see even the most aggressive investors go above this portion.

Where do you fall on the spectrum?

[tweetthis twitter_handles=”@iraexpert” hidden_hashtags=”#PreciousMetals #Gold #Silver”]Gold, silver, platinum, and other precious metals. To some represents…[/tweetthis]

Different Investment Types and Discerning the Purpose of Precious Metal Investments

There are two general types of investments when it comes to precious metals:

  • Bullion: physical gold, silver, and more in the form of bars, jewelry, and coins.
  • ETFs and stocks: Buying shares of a gold mining company or purchasing a gold-centered ETF are other ways of investing in commodities without owning physical gold.

Typically, a well-diversified investor will include both types of investments in order to give them their overall Precious Metalsportfolio target for precious metals.

But what’s the idea behind all of this focus on these specific commodities? Aren’t there other types of commodities to pay attention to? Other strategies?

The value of gold and silver is that they tend to retain their worth even when financial circumstances send stocks plummeting. That’s not to say that gold and silver are perfect hedges against the market—but they are one way of ensuring that not all of your money is tied up in a single source.

Gold and silver, like many investments, tend to increase in dollar value over time, which is why they can be a key investment—and a key reason to use a Self-Directed IRA. Contact us at 1-866-7500-IRA(472) or read more at AmericanIRA.com to learn more about these accounts, which include the ability to invest in precious metals for retirement.

 

 

 

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Precious Metals and Self-Directed IRAs – A Perfect Match?

If you’re like a lot of Self-Directed IRA investors, you’ve taken one look at the economic landscape globally and said one thing to yourself: “boy, I should really include some precious metals in my retirement portfolio.”

Precious metals, after all, are one of those investments that seem to retain their value over the long haul – especially when you consider that precious metals have been used as currency for a long, long time, dating back thousands of years.

But what about the value of precious metals in the 21st century? Do they still hold the same promise as precious metals of old? And if you’re an investor who wants to use a Self-Directed IRA to secure a more diversified retirement portfolio for yourself, might the Self-Directed IRA be the right tool through which you invest in these precious metals? They’re very important questions – and questions we hope to answer. So let’s take a closer look at the potential marriage of your Self-Directed IRA and precious metals.

The Purpose of Investing in Precious Metals

Self-Directed IRAPrecious metals are, of course, a unique type of investment. It’s rare that you can build a retirement portfolio based on real, physical things – even real estate, to a degree, isn’t quite something you can hold in your hands and look at. Gold, silver, and platinum, though? You can put them in your safe. You can hold them in your hands. And, like so many other investments, you can invest in them in other ways, such as purchasing Gold ETFS or individual mining companies on the stock market.

What’s it all about, then? What makes gold or silver so special that they should warrant a unique position in your retirement portfolio?

Well, first things first: most investors recommend having anywhere from 2-10% of your retirement portfolio in precious metals. Only the most “bullish” precious metal investors believe that they should comprise any more than that.

But what’s perhaps even more important to remember about gold and silver is that they can serve as a great hedge against a great many things. If the stock market declines, you shouldn’t have to worry about your gold and silver declining. If the currency declines, your gold and silver may even go up. Gold and silver are a nice “foundation” upon which to build a stronger retirement portfolio, when seen from this perspective – a security blanket, if you will.

Using a Self-Directed IRA for the Investment of Precious Metals

There are many ways to invest in gold, silver, and other precious metals. You can use an investment account to purchase Gold ETFS or gold-based stocks on the market. You can walk into a jeweler’s and ask for gold bullion to put in your safe. As with the Self-Directed IRA itself, there are many different options available to you.

But what makes a Self-Directed IRA so well-suited for the purchasing of gold and silver are the many protections these retirement accounts have. Retirement accounts, after all, have many advantages over the usual investment accounts. If you have the patience for it, you can use Self-Directed IRAs to think more long-term about your gold or silver.

[tweetthis twitter_handles=”@iraexpert” hidden_hashtags=”#SelfDirectedIRA”]Investors said: “boy, I should really include precious metals in my Self-Directed IRA”[/tweetthis]

Because Self-Directed IRAs allow you to have more control over what your account looks like, many people who love precious metals (who tend to be independent thinkers anyway) love the advantages afforded by working within a Self-Directed IRA. It allows you to choose your own financial destiny. If you’re interested in learning more about how you can invest in gold or silver through a Self-Directed IRA, you can be sure to continue browsing AmericanIRA.com or simply call us at 866-7500-IRA(472). Be sure to learn more about investing in precious metals as you browse our site, as well.

 

 

 

 

 

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Are Self-Directed IRAs Only for the Wealthy?

For some people, the word ‘investment’ is reserved for only the rich. If you have a minimum wage job, you’re not thinking about “investments or Self-Directed IRAs” – you’re thinking about getting by from month to month. If you have an average income, you still might not be as worried about investments as you are making that mortgage payment, or saving up to buy a new car.

Does that mean that Self-Directed IRAs – and other types of investments – are only meant for the wealthy? People with disposable income?

The truth is, investment is for everybody. And though some of the ideas in a Self-Directed IRA – like buying precious metals or real estate – might sound like something only someone very rich would do, you’d be surprised at what you can accomplish without a top-tier income. In fact, you’ll find that a Self-Directed IRA can be one of the most ideal ways to save money and build wealth over the long term.

No, investments aren’t only for the rich. They’re for anyone who’s interested in a secure financial future. And to that end, Self-Directed IRAs can help a lot of different people out. Here’s how.

Self-Directed IRAs Have Some Financial Advantages

Sure, you’ve read here at AmericanIRA.com that Self-Directed IRAs’ chief advantage is that they offer you flexibility in terms of retirement investments. And while it’s true that that is a major benefit to using a Self-Directed IRA, it’s not the only benefit. Self-Directed IRAs are just what they say: Self-Directed. That means that you aren’t losing precious money to some high-falooting portfolio manager. You’re managing your Self-Directed IRA yourself, and you don’t have to pay yourself a dime for the service.

Looking for low management fees is important for people of all investment types, since many investment fees are a percentage of the investment itself. For example, mutual funds have associated fees that come packaged with their services; if you’re going to maximize your return at any income level, you’re going to want to ensure that you’re using a mutual fund with a low fee.

This isn’t only the case with mutual funds. Hidden investment fees are a concern no matter what you’re investing in. So if you don’t have a lot of wealth but want to build a lot of wealth, you’ll do well to do your homework. And homework, of course, is free.

Building Wealth Through A Self-Directed IRA

Saying that a Self-Directed IRA is only for the wealth is a bit like saying that exercise is only for the healthy. Since a Self-Directed IRA can do a lot to help you build wealth, it can be a good idea no matter what your current income level, provided that you have a clear strategy and know what you’re doing in order to get the full value out of your Self-Directed IRA.

Building wealth over time requires discipline, a long-term focus, and a sound strategy. It doesn’t require a large investment. If you can supply the discipline, the long-term focus, and research a sound strategy, you’ll be amazed at what kind of wealth you can amass over time. In the film “The Shawshank Redemption,” recall the character Red’s famous words: “that’s all it takes, really. Pressure and time.” In this case, pressure is the expansion of investments. And the time will pass, if you have the patience to watch your cautious investments grow.

What will you do to grow your portfolio, at any income level? That question is fundamental. If you’re interested in learning more about what Self-Directed IRAs can do for you, be sure to call us at 1-866-7500-IRA(472) to learn more.

A Guide to Retirement Diversification and Self-Directed IRAs, Part II

If you’ve already read Part I of this series, you know that diversification is one of the key strategies that investors use to mitigate risk and ensure that their portfolio continues to grow in spite of market volatility. You are also beginning to understand how Self-Directed IRAs fit in to a retirement diversification plan.

As such, you know that diversification is important for you. You know that it solves problems like having all of your eggs in one basket. The only question is, how do you actually apply the principles of diversification in your own investment life, and what are the tools that will help you to achieve those applications? As you might suspect, we have a suggestion or two—but not before we explain how to best apply the tools at your disposal. Let’s take a look at some of the best ways to follow through on this need for diversification and ensure that your retirement funds are truly secure.

Common Diversification Solutions in Action

Diversification isn’t achieved until you’ve put your investments into action. You might think you know what’s coming in the market…but if all of your money is sitting in a checking account, then all you’ve really invested in is pure liquidity. Real investors know that the key to making their money work for them is to put their money to work for them – and as soon as possible. Items like real estate (through a real estate investment in a Self-Directed IRA) can, however, add to your portfolio while diversifying it at the same time.

But what do investors usually do to put these solutions into action? Let’s look at some common ways:

  • Going international. Many investors like domestic stocks, bonds, and funds just fine—but they don’t think that those are the only investments available to them. As such, they invest some of their money in more international stocks, which is usually done through a broker. It’s possible to get even more international by opening up accounts overseas, but that usually requires your physical presence and a lot of time to make sure all of the proper reporting is handled.
  • Breaking out of the “stocks-and-funds” box. We’re just as big of believers in stocks and funds as anyone else—the market is a remarkably consistent way to make money. But that doesn’t mean it’s the only way to make money, and it’s certainly not enough diversification by itself. Self-Directed IRAs allow you to invest retirement money in other forms of assets, like real estate, gold, silver, private investments, and more.
  • Mixing up the portfolio. Those who do stick with stocks and bonds know that they can’t put all of their eggs into one basket—or in this case, one fund or one company. You can have a number of mutual funds, index funds, and stocks in your portfolio to ensure that market volatility doesn’t threaten to derail you every single time you encounter a bear market.

Putting it All Together

If you’ve been paying close attention, you’ve noticed that a Self-Directed IRA is a great way to ensure that you can put money aside in different types of investments—investments that remove some eggs from a single basket so that you’re not worried about any one specific downturn in the economy. That’s because Self-Directed IRAs allow you to invest in wide-ranging opportunities, from real estate and precious metals to private companies and even royalties.

How do you get started? It’s actually simpler than you think. First, you’ll want to be sure that opening up a Self-Directed IRA makes sense within your specific set of strategies. Then you’ll want to call us up at 866-7500(472) to learn more. Diversification isn’t one thing you do; it’s an entire process of understanding how investments work and how to spread yourself out so as to maximize security.

When is the Best Time to Invest in a Self-Directed IRA?

Many of us want to beat the market. Self-Directed IRA investors look for profit in many different areas.

And for good reason. In 2008-2009, the market crash had a lot of us reeling. Many people who thought that they were smarter than the market found out in a very difficult way that they don’t always know when the best time to invest is. In fact, many people found out that if your timing is wrong, then it can affect your bottom line in a lot of different ways.

Timing is so important to investing that many people make it their exclusive focus. And, indeed, “timing is everything.” But it’s not the only thing. You also have to consider what types of investments you’ll be making. Let’s take a look at the different investment types available within a Self-Directed IRA to find out when exactly the best time for you to invest might be.

Gold and Precious Metals

For those who believe in investing a portion of your portfolio in gold and precious metals know that when it comes to these investments, timing can be very important. At certain times in the past, a well-placed precious metal investment could have yielded you significant gains that far exceeded what you might have gotten out of the market itself.

Of course, we live in the present. We don’t have the benefit of hindsight. That means we have to consider when are the best times to invest in gold and precious metals, and if there are any advantages to waiting…or getting started right away.

Precious metal investments can be a little fickle, so it’s important that you keep track of the prices over time, even if you’re not investing in them at the moment. Doing so will give you an idea of what can effect gold and precious metal prices over time.

What’s more, as with many different investment types, it helps to get started upfront so that if the investment does well, you can realize the added value right away. This is no different in the world of gold and precious metals.

Real Estate

If you want to know how important timing is in real estate, just ask someone who bought their house in 2007. Real estate can be a tricky field to navigate, and it’s not always for the faint of heart. But investing in real estate doesn’t have to be rocket science, either.

Like many markets, real estate is highly dependent upon economic conditions. That means understanding how the economy is faring as a whole will help you to get a better idea of when to invest in real estate through a Self-Directed IRA. In fact, real estate may be one of the most susceptible markets to timing. That’s why it’s important that you’re thorough in your approach to real estate and that you have a greater sense of context for the economic conditions in your area.

Knowing When to Invest in the Future

When to invest in the future? The short answer is, “now.” Even those people who timed their investments poorly before major stock market crashes realize that, eventually, things get better. In some of the worst economic calamities around, things still eventually turn around. That’s why it’s important to prepare a full, diversified portfolio as soon as possible. Even if you don’t invest right away, now’s the time to investigate your options for investing.

One of those options is the Self-Directed IRA, of course, which is why we recommend you call us up at 866-7500(472) to talk about what you can do with a Self-Directed IRA as part of your retirement plans.

Little-Known Retirement Investment Alternatives Available Through Self-Directed IRAs

Most people are not aware of the alternative investments allowed in Self-Directed IRAs.

When most people talk about retirement investing, they’re talking about just a handful of investment types. Stocks, bonds, and funds.

Those strategies can be great, no doubt. They offer plenty of stability for the long-term, and even working within that framework, it’s possible for even casual investors to built a well-diversified portfolio that keeps them feeling safe and secure.

But what if you want to go that extra mile? In fact, what if you’ve been reading about Self-Directed IRAs and know that you don’t only want to diversify through alternative investment types like real estate and precious metals, but that you want to understand the full gamut of investment types available through Self-Directed IRAs? In that case, you’ve just hit the jackpot, because we’re going to address some of the different investment markets that you can touch on through a Self-Directed IRA.

  • Hedge funds. Hedge funds tend to be the strategy of high-income and high-wealth investors who are looking for an alternative to the usual investment strategies. Hedge funds can be high-risk depending on who’s running them…but for some people, that’s right up their alley. Is a hedge fund right for you? Unfortunately, there’s more to learn about hedge funds than we have the space for here, so we recommend thoroughly understanding hedge funds before you decide to get involved with one.
  • Foreign stock. Someone who’s looking to hedge against domestic inflation will likely want to think about holding some degree of foreign stock. After all, the New York Stock Exchange isn’t the only stock exchange around. Holding some amount of foreign stock can help you attain a more international approach to your investments that helps you feel protected against any domestic economic downturns. What’s more, if your expertise is in foreign stocks, then a Self-Directed IRA may be the way to go.
  • Royalty rights. The old phrase “there’s more than one way to skin a cat” applies here, because there’s more than one way to secure wealth building in retirement accounts. Investing in royalty rights is one potential avenue to build wealth when working within the confines of a Self-Directed IRA, helping you to further diversify your retirement nest egg far from the realm of stocks, bonds, and the usual avenues.
  • Farm real estate. How’s this for getting off the traditional grid of investments? Investing in farm real estate is a great way to secure something of real, demonstrable value for your retirement nest egg. Of course, investing in farm real estate can be a challenge in and of itself, which is why it’s important to make sure that you know what you’re doing–but the same principle applies for investments of all types. For those who enjoy working in farm real estate, a Self-Directed IRA can be the ideal way to build up for retirement.
  • Admit it: as much as you’ve thought about investing in a commodity like gold or silver, how much action have you actually taken to make these commodities a part of your investment strategy? A Self-Directed IRA affords you plenty of freedom to diversify your retirement portfolio with commodities, helping to hedge against inflation and to ensure that true diversification is achieved.

In short, Self-Directed IRAs represent a tremendous opportunity for you to manage your own investments, become more involved in your retirement plan, and take the reins of your financial future. What’s in store for you with a Self-Directed IRA? Well, if you’ve been reading, you know that there are plenty of options. Contact us at 866-7500-IRA(472) to find out whether or not a Self-Directed IRA might be right for you.

Five Ways You Never Thought You’d Use to Grow Your Retirement Investments: Self-Directed IRAs

If you follow most of the traditional advice, you probably view retirement investments as one simple thing: an investment in the stock market. Sure, people will diversify through index funds, mutual funds, and more, but at the end of the day, they’re still treating the stock market like the only game in town.

Self-Directed IRAFortunately, the way retirement accounts are set up allows for more freedom and flexibility than that. In fact, it allows for a heck of a lot more flexibility when you’re working within a Self-Directed IRA. And what’s more, many of these strategies are great ways to diversify your overall retirement portfolio so you can plan on retirement with more security and less anxiety about your future.

So what if you never thought you’d be using these strategies to help with retirement? As the old saying goes, you live and you learn…

Strategy Number One: Real Estate Investing. Real estate investing is a key way to ensure that you hedge against the stock market–after all, real estate is part of its own market. Making wise real estate investments with your retirement money isn’t only possible, but it’s ideal in many cases because it presents the opportunity for sustained growth over time.

If you don’t know a lot about real estate, that doesn’t necessarily preclude you from thinking about real estate investments as an option. Just as you don’t have to be an expert in the stock market to invest in it, you don’t have to be a real estate expert to have success with real estate. Anyone who’s ever sold a home for more Real Estate IRAthan they bought it will tell you the same.

Strategy Number Two: Private IRA Lending. Making private loans and earning interest on those loans can happen with a Self-Directed IRA. It’s one of the options available through Self-Directed IRAs that few ever take advantage of. Of course, like any other type of investment, you’ll want to do your due diligence before you make any sort of loan. But with the right knowledge and foresight, you can have a lot of success by utilizing this option as a piece of your retirement portfolio.

Strategy Number Three: Private Companies. If investing in private companies sounds like an investment strategy reserved only for the very wealthy, consider that anyone with a Self-Directed IRA can make some sort of investment in a private company in their retirement portfolio. After all, any stock investment is an investment in a public company…why should private companies be so incredibly different? The answer is, they actually aren’t!

Private IRA Lending BusinessStrategy Number Four: Tax Liens and Tax Sales. Investing in tax liens is becoming more and more popular these days, and since you can include them in a Self-Directed IRA, they’re actually seeing more activity in peoples’ retirement portfolios. Tax liens allow you to have the government do the collecting work for you while you focus on the investment itself–or simply sit back and relax, knowing that you’ve spent your money wisely.

Strategy Number Five: Commodities. Even if you’ve never viewed yourself as a commodities investor, it’s not difficult to see the opportunities present in precious metals like gold and silver. They not only offer a hedge against inflation, but offer a general way to diversify your investments.

For more information on the opportunities present in Self-Directed IRAs, be sure to call us at 866-7500-IRA(472) or keep reading AmericanIRA.com to see exactly how you can take control over your financial future. The more proactive you are now, the more peace and security you’ll feel over your retirement nest egg.

 

 

 

 

 

 

 

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