Educación, Asesoramiento en materia de inversión, Finanzas

Cómo usar IRA para invertir en bienes raíces

Muchos inversores establecerán un IRA tradicional o Roth como una forma de ahorrar para la jubilación. Actualmente, los inversores menores de 50 años pueden contribuir hasta $6,000 al año en un IRA. Mientras que aquellos mayores de 50 años pueden contribuir hasta $6,600 por año. Los inversores que han estado contribuyendo a un IRA durante años o incluso décadas pueden descubrir que han acumulado cientos de miles de dólares invertidos en una cartera tradicional que consiste en acciones, bonos y fondos mutuos.

Los inversores a menudo no se dan cuenta de que al mover sus fondos IRA a un IRA autodirigido, pueden diversificar sus carteras de jubilación invirtiendo en clases de activos alternativos, incluyendo pero no limitado a bienes raíces. Las personas que han estado invirtiendo dinero en cuentas de jubilación y, por lo tanto, no tienen efectivo disponible para invertir en oportunidades inmobiliarias, a menudo encuentran que esta es una forma atractiva de invertir en bienes raíces. Además, utilizar un IRA autodirigido para invertir en bienes raíces ofrece importantes beneficios fiscales.

Most financial institutions offer a self-directed IRA,
sometimes called a self-directed option. This usually allows
someone to self-direct into stocks, mutual funds, and ETFs.

Siga leyendo para obtener más información sobre cómo invertir en bienes raíces usando su IRA. Un vehículo a menudo pasado por alto para invertir en bienes raíces.

¿Qué es una cuenta IRA autodirigida?

A diferencia de las cuentas IRA tradicionales y Roth, en las que un asesor financiero o administrador de patrimonio realiza la asignación en nombre de los inversores. Una SDIRA le da a los inversores un control total sobre cómo invertir. Las inversiones disponibles para aquellos que utilizan una SDIRA también tienden a ser más abarcadoras. Especialmente en comparación con los puestos a disposición por los custodios tradicionales de IRA.

Usando una SDIRA, un inversor puede autodirigir los fondos de jubilación hacia inversiones alternativas como bienes raíces. Cualquier ingreso generado al invertir en inversiones alternativas se devuelve a la SDIRA. Luego continúa creciendo con impuestos diferidos tal como lo haría en una cuenta IRA tradicional o Roth.

The Step-by-Step Process to Investing in Real Estate with Your IRA

01 Identify an SDIRA Custodian

Someone who wants to invest in real estate using their IRA will need to roll those funds into an SDIRA account with an SDIRA custodian. Some SDIRA custodians are specifically set up to manage investments in alternative assets. Some of these will have specific platforms in place to make investing in real estate especially easy. Identify various SDIRA custodians, compare them, and then determine which is right for your specific investment objectives.

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Facilitate Tratidional Account

03 Determine How SDIRA Funds will be Allocated

There are a few ways to allocate funds when moving from a regular IRA to an SDIRA. Someone might choose to liquidate all assets prior to moving funds from one account to another, particularly if they plan to reinvest a substantial portion of those funds in real estate immediately after transfer.

Another option is to roll funds from one account into another, while maintaining the investments as-is (i.e., not liquidating but rather just moving, while maintaining existing positions). This strategy is best for someone who is interested in investing in real estate but who has not yet identified a specific opportunity and wants their funds to remain invested in the interim.

Once funds have been rolled over, the investor will then want to decide what portion, if any, of their funds to invest in alternative investments like real estate.

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Identify Real Estate Investment

05 Have the SDIRA Custodian Facilitate the Transaction

After deciding which real estate investment you want to make, the SDIRA will request copies of all pertinent paperwork including the subscription agreement, private placement memorandum and other legal documentation. The sponsor will have provided all of this to the investor. The investor then makes the request to the SDIRA custodian to invest cash from their SDIRA into that deal. The process usually takes less than a few hours for the transaction to be complete.

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Manage and Monitor
Identify an SDIRA custodian

02 Facilitate the Roll-Over from Traditional Account to SDIRA

The step that has the longest lead time (usually 3-5 business days) is transferring funds from your existing IRA account to the custodian of your new SDIRA account. The SDIRA custodian will be able to help facilitate this process. Note: for someone pursuing a specific real estate investment, and who may need to move quickly, it is important to begin this step ASAP in order to ensure the funds have been moved and area available to invest by the real estate offering’s deadline.

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Determine SDIRA Funds

04 Identify Real Estate Investment

Once the funds have been transferred to an SDIRA, they are available to invest in real estate. If the investor has not done so already, this is the right time to start doing due diligence on sponsors and various deal opportunities.

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Have the SDIRA Custodian Facilitate the Transaction

06 Manage and Monitor Your Investment

Most SDIRA custodians have an online portal that makes it easy for investors to log-in and track their investments – including real estate investments. This portal will allow you to see the value of your asset, payments coming back into the account (i.e., cash flow distributions), and metrics pertaining to rate of return. At this point, all an investor needs to do is manage and monitor their investment. The rest has already been done.

The Benefits of Investing in Real Estate through a Self-Directed IRA

There are many reasons why someone would want to roll their traditional or Roth IRA into a self-directed IRA with an alternative asset custodian. Namely, doing so allows the investor to take control over how their investments are directed, which in turn, allows them to invest in a range of alternative assets, including real estate.

Here is a more detailed look at the many benefits associated with investing in real estate through a self-directed IRA.

The Ability to Take Control of Your Investments

Typically, both traditional and Roth IRAs are managed by a company or plan provider who, with some investor input, decides which stocks, bonds and mutual funds to invest in on behalf of that investor. The investment options are generally limited to “traditional” investments, like publicly traded equities. Few offer the ability to invest in alternative investments, such as precious metals, oil and gas limited partnerships, intellectual property and real estate.

Self-directed IRAs are more flexible and provide investors with greater control over their investment portfolios. With a self-directed IRA, the investor can decide exactly how to allocate their capital which may include investments in traditional equities but can also include alternative investments like real estate. Rather than the IRA custodian dictating how investments are made, the investor guides the IRA custodian and indicates how he or she wants their portfolio invested.

For someone looking to invest in real estate, a self-directed IRA allows them to be as hands-on or hands-off as they choose. They can use their SDIRA to buy and renovate property with their retirement savings, and then rent or sell for a profit, in which the returns are then directed back into the IRA. Someone who wants to take a more passive approach to real estate investing can use their SDIRA to invest in a syndicate, real estate partnership or non-traded real estate investment trust (REIT). Using an SDIRA provides extreme flexibility for those looking to invest in real estate.

Diversifying Your Investment Portfolio

Investors have long been encouraged to diversify their retirement portfolios, but for most, this usually means diversifying into some allocation of stocks, bonds, and mutual funds. To achieve true diversification, an investor might consider using an SDIRA to move beyond traditional, publicly-traded equities by adding alternative investments to their portfolio. An SDIRA is generally the only way to use an IRA account to invest in alternative investments such as real estate.

Real estate, an otherwise illiquid asset class, does not experience the same dramatic ebbs and flows as the stock market and therefore provides investors with stability during period of market upheaval.

Any IRA-like Retirement Account can be Rolled Into an SDIRA

A common misconception is that only a traditional or Roth IRA can be rolled into a self-directed IRA. Other forms of retirement accounts can also be rolled into an SDIRA, including those who worked for the federal government and have a thrift savings plan (TSP), or who worked for a nonprofit and have a 403b or 457a plan. Most forms of deferred compensation plans are generally eligible for rolling into an SDIRA, making this option attractive to all investors regardless of their career or profession.

Income Generated in an SDIRA Grows Tax-Free

One of the primary benefits to investing in real estate through an SDIRA is that any income generated from that property, either cash flow or sales proceeds, is redirected back into the IRA and is considered tax-exempt. In an SDIRA that was rolled over from a traditional IRA, the income will continue to grow tax-deferred. If the SDIRA was rolled over from a Roth IRA, the income returning to that SDIRA will be one hundred percent tax-free upon withdrawal, assuming the investor waits until qualifying age (currently 59 years old).

Because income generated in an SDIRA grows tax-free, investors are able to compound interest faster than they would if investing in alternative assets outside of an SDIRA. This means that someone who invests wisely can hit their retirement goals in less time because they are paying less in taxes every year.

Key Features of Investing in Real Estate Using an SDIRA

  • Investors must keep an “arms-length” distance from the investment. Investing in real estate using an SDIRA requires the investor to use a third-party custodian. The title of the property (or LP equity shares if investing in a syndication) will technically be held by the custodian of the SDIRA for the investor’s benefit. The rules also stipulate that the property is used solely as an investment—it cannot be used as a second home, vacation home, home for your children or foryour business, for example.  

  • Investors are responsible for conducting their own due diligence. Whereas a traditional IRA or Roth IRA custodian will have presumably done research on investments prior to investing their client’s money, someone who uses a self-directed IRA to invest is required to do their own due diligence on real estate sponsors and individual deal opportunities.

  • The alternative asset custodian does not need to have a pre-existing relationship with the sponsor. One common misconception is that the SDIRA custodian will limit you to investing with certain real estate sponsors—that is not the case. When investing through an SDIRA, an investor can decide exactly which real estate deals or funds to invest in. They provide guidance to the custodian and the custodian, assuming all paperwork is in place, will facilitate that transaction on the investor’s behalf. This is because the custodian is not acting in an advisory capacity; they are simply directing funds as requested by the investor.

  • Any and all income generated from the investment must flow back to the IRA. Unlike owning real estate directly, any income (cash flows, sales proceeds, etc.) from an investment made using an SDIRA must flow back to the SDIRA account in order to preserve the tax-deferred status of the income.

Relacionado: 8 errores a evitar antes de invertir en bienes raíces comerciales

Trabajar con un custodio de SDIRA de terceros

La mayoría de las instituciones financieras ofrecen una IRA autodirigida, a veces denominada opción autodirigida. Esto generalmente permite que alguien se autodirija a acciones, fondos mutuos y ETF. Sin embargo, la mayoría de las instituciones financieras exigen que los inversores se autodirijan a inversiones tradicionales relacionadas con el mercado de valores. Esto se debe a que las instituciones financieras generalmente reciben una compensación en función de un porcentaje de los activos que administra. Si alguien elige autodirigirse a activos alternativos que no cotizan en bolsa, la compensación del asesor financiero disminuye.

A self-directed IRA is an umbrella term used for a type of IRA
that allows investors to self-select how investments will be made.

Para invertir en bienes raíces utilizando una IRA autodirigida. Deberá transferir su IRA a un custodio de activos alternativo. A través de estos proveedores, las personas no solo pueden autodirigirse, sino que también pueden autodirigirse a activos alternativos como bienes raíces. Un custodio de activos alternativo generalmente cobrará una tarifa fija. Por ejemplo $400-500 por año. Para los inversores que eligen auto-dirigir sus propias inversiones.

¿Pagará impuestos al transferir sus fondos a un SDIRA? (¡No!)

Una de las mayores dudas que tienen las personas al transferir dinero de un IRA tradicional o Roth a un SDIRA es el temor de que esto provoque algún tipo de evento impositivo. Este es un miedo infundado. Las personas no tienen que pagar impuestos al transferir fondos de un IRA a un SDIRA. No se considera hecho imponible. Esto significa que la transferencia de la cuenta a la SDIRA mantendrá su valor intacto, sin multas ni impuestos.

¿Es adecuado para usted invertir en bienes raíces a través de una SDIRA?

Si bien las SDIRA siguen siendo atractivas para quienes buscan invertir en bienes raíces. Ellos no son para todos. Las personas pueden tener un control completo de sus inversiones cuando usan un SDIRA. Sin embargo, no todos los inversores quieren asumir esa responsabilidad.

Algunos inversores simplemente preferirían «configurarlo y olvidarlo» simplemente teniendo un administrador de dinero que dirija sus inversiones. En cuyo caso, una SDIRA generalmente no es la opción adecuada para ellos. Estos inversores suelen ser conscientes de que su cartera está mayoritariamente invertida en acciones relacionadas con el mercado de valores. Con esto entienden que existe un riesgo inherente asociado a la volatilidad del mercado.

Para las personas que pueden soportar ese riesgo y que desean adoptar un enfoque de no intervención en sus inversiones. Trabajar con un asesor financiero tradicional podría ser el enfoque correcto.

Using an SDIRA, an investor can self-direct retirement funds into alternative investments such as real estate.

Por otro lado, aquellos que buscan tomar un mayor control sobre sus cuentas de jubilación, especialmente para aquellos que buscan diversificarse en clases de activos alternativos como bienes raíces, definitivamente vale la pena considerar una SDIRA (Cuenta de jubilación individual autogestionada).

SDIRA no es un enfoque de todo o nada

Invertir en una SDIRA no necesita ser un enfoque de todo o nada. Alguien puede mantener una parte, incluso la mayoría, de sus fondos invertidos en acciones, bonos y acciones tradicionales. Las personas pueden optar por transferir solo una parte de su dinero a una SDIRA para invertir en activos alternativos. Además, podrían optar por transferir toda su cuenta a una SDIRA, manteniendo la mayoría de sus activos actuales tal como están, mientras liquidan solo una fracción para invertir en bienes raíces. Al mover fondos a una SDIRA ahora, le brinda al inversionista la flexibilidad de invertir en activos alternativos cuando se sienta cómodo haciéndolo.

¿Estás listo para invertir en bienes raíces? Contáctenos hoy para saber cómo usar su cuenta de jubilación para invertir en una de las últimas ofertas de Smartland usando una SDIRA.

Last edited on mayo 23, 2023
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