许多投资者会建立传统或罗斯IRA来储蓄退休金。 目前，年龄在50岁以下的投资者可以每年向IRA账户最多贡献6,000美元。 相比之下，50岁以上的投资者每年可以贡献高达6,600美元。 多年甚至几十年来一直为IRA做出贡献的投资者可能会发现，他们已经积累了数十万美元的资产，这些资产投资在由股票、债券和共同基金组成的传统投资组合中。
投资者通常没有意识到，通过将其IRA资金转移到自主管理的IRA账户中，他们可以通过投资替代资产类别（包括但不限于房地产），实现养老金组合的多样化。 那些一直在将钱投入养老账户，因此手头没有现金投资房地产交易的个人，通常会发现这是一种投资房地产的有吸引力的方式。 此外，利用自主管理的IRA投资房地产可以获得显着的税收优惠。
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.
与传统和罗斯IRA不同，自主指导IRA不需要金融顾问或财富管理人代表投资者进行分配。 一种自我管理的个人退休账户（SDIRA）为投资者提供了对投资方式的完全控制。 使用 SDIRA 的人可以获得的投资也往往更具包容性。 尤其是与传统IRA保管人提供的投资相比较。
使用自主指导的个人退休账户 (SDIRA)，投资者可以将退休基金自主投资于诸如房地产等另类投资。 任何通过投资替代投资而产生的收入将返回到自主管理IRA。 然后这些收入会以税延方式继续增长，就像在传统或Roth IRA中一样。
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.
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.
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.
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.
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.
有关的: 投资商业地产前要避免的 8 个错误
大多数金融机构都提供自主管理IRA，有时也称为自主管理选项。 这通常允许个人自主投资股票、共同基金和ETF。 然而，大多数金融机构要求投资者自主选择传统的股票市场相关投资。 这是因为金融机构通常根据他们管理的资产的百分比来获得报酬。 如果某人选择自主指导到非公开交易的另类资产，金融顾问的报酬会下降。
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.
为了使用自主 IRA 投资房地产。 您需要将您的IRA转移到另一家资产托管公司才能用它来投资房地产。 通过这些提供商，个人不仅可以进行自主指导，还可以将资金投资于房地产等替代资产。 一个另类资产托管人通常会收取固定费用。 例如，每年收费400-500美元。 对于选择自我指导自己的投资的投资者。
加入 SDIRA 后您会纳税吗？ （不！）
人们最担心从传统或罗斯IRA转移资金到SDIRA的最大顾虑之一是害怕这会触发某种税务事件。 这是一个没有根据的担忧。 人们在将资金从一个IRA转移至SDIRA时，不需要缴纳税款。 这不被视为应纳税事件。 这意味着将账户转移到自助指导型IRA中将保持其价值完整，不会有罚款或税收。
通过 SDIRA 投资房地产是否适合您？
尽管SDIRA对于那些想要投资房地产的人仍然具有吸引力。 它们并非适用于所有人。 当人们使用SDIRA时，他们可以完全控制自己的投资。 然而，并非所有投资者都想承担这种责任。
一些投资者希望通过让资金经理管理他们的投资来“设置并忘记”，而不是肩负起投资控制的责任。 在这种情况下，SDIRA通常不是他们的正确选择。 这些投资者通常知道他们的投资组合主要是投资于与股票市场有关的股票。 随之而来，他们明白市场波动带来的固有风险。
Using an SDIRA, an investor can self-direct retirement funds into alternative investments such as real estate.
投资SDIRA不需要全盘采用该方法。 某人可以保留一部分，甚至大部分的资金投资于传统股票、债券和权益。 人们可能会选择仅将一部分资金转入 SDIRA 以投资另类资产。 此外，他们可以选择将他们的整个账户转入 SDIRA，保持他们目前持有的大部分资产不变，同时只清算一小部分用于投资房地产。 通过现在将资金转移到 SDIRA，它为投资者提供了投资另类资产的灵活性，只要他或她觉得这样做是合适的。
您准备好投资房地产了吗？今天就联系我们，了解如何使用您的退休账户通过 SDIRA 投资 Smartland 的最新产品之一。