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Every month you make contributions to your 401k, from there it is a mystery what happens. You know that the balance sometimes goes up and sometimes goes down. A fund manager he’s never met is investing his money every month in a select number of manager-limited 401k investments.
How would you like to control where your money is invested? How would you like to purchase real estate with your retirement plan? How would you like to invest in the development of a new housing project? How would you like to invest in a business?
The possible investments that the IRS allows you to invest your IRA dollars in are nearly endless. Most 401k investments are in stocks and mutual funds because that’s how 401k managers make their money. You can roll your 401k into a self-directed IRA and call the shots. Download a free eBook from Pensco Trust on how you can be the manager of your retirement plan today. Visit the Pensco website below in the resources section.
You don’t have to use your savings or other available cash to invest in real estate. Invest your 401k in a self-directed IRA and buy real estate; let it grow tax-free like any other IRA investment.
If your IRA buys real estate from an unrelated party and pays cash for it, and you don’t use the real estate for personal purposes while it’s in your IRA (that is, you treat it strictly as an investment), there are no special issues.