Roth IRA vs. Mutual Fund: Which Is Better for Retirement?

A Roth IRA and a mutual fund aren’t competing choices because one is an account and the other is an investment. A Roth IRA is a tax-advantaged retirement account funded with after-tax dollars that lets qualified withdrawals come out tax-free. A mutual fund is a pooled portfolio of stocks, bonds, or other securities that you […]

Can You Borrow Against an IRA? Rules, Options, and FAQs

No, you cannot borrow against an IRA. The IRS treats a loan from your IRA, or a pledge of your IRA as collateral, as a prohibited transaction, and the cost is steep. The money involved is taxed as a distribution, and if you are under 59 ½ a 10% additional tax usually applies on top […]

Self-Directed IRA Guide 2026: Rules, Limits & Investments

Thinking about converting your current IRA into a self directed IRA (SDIRA)? It pays to know what advantages and disadvantages a SDIRA offers. Both an IRA and a SDIRA offer the same tax advantages, whether it’s a Roth IRA or traditional IRA. They are also both limited by the same regulations from the IRS. The difference mainly lies in the investment options available between the two and the role of the account owner.

10 Highest-Yielding Self-Directed IRA Investments

In recent decades, many people have begun turning their traditional IRAs into a self-directed IRAs to access more investment opportunities. A self directed IRA (SDIRA) grants you complete control over your investments and greater latitude to diversify your retirement portfolio and grow your account.

SDIRA Real Estate Restrictions and Prohibited Transactions

Self-directed IRAs open up a bundle of investment opportunities that traditional IRAs are restricted from. One of the most popular investments offered is real estate.

10 Self-directed IRA Investment Ideas to Grow Retirement Funds

When aiming for a comfortable retirement, the investment options of a self-directed IRA are endless. While traditional IRAs and Roth IRAs allow limited pathways to grow your wealth, a SDIRA expands the options available to allow for maximum long-term growth to secure your future.

Complete Guide to Titling Your SDIRA Assets

How your IRA asset is titled when recording a deed determines who legally owns an investment held inside a self-directed IRA.  In every SDIRA transaction, the IRA itself, not the investor personally, must appear as the owner on the title or deed. Proper titling affects ownership rights, how investment expenses and income are handled, and […]

How to Set Up a Bitcoin IRA: Investor’s Guide

To set up a Bitcoin IRA, you must first open a Self-Directed IRA (SDIRA) with an IRS-approved custodian that allows for alternative assets.  Once the account is established, you fund it with a contribution or a rollover from an existing retirement account, then purchase Bitcoin through a cryptocurrency exchange or an IRA-owned LLC. This process […]

Roth vs Traditional IRA: Which is Better for Retirement?

When considering self-directed investments, there are many different options to choose from; however, the most common account options are self-directed traditional IRAs and Roth IRAs. If you are thinking of building your own retirement fund, it’s beneficial to look at the pros and cons of each option.

What Is a Self-Directed IRA Custodian? What to Look For

Preparing funds for retirement can be a daunting task. With all the investment options and pitfalls, setting up an IRA could be frustrating. Account holders don’t have to dive into a retirement plan alone. The IRS mandated that to open an IRA, account holders must contact a trustee or custodian to hold their assets.