What Is Self-Directing?
Self-directing is the process of converting your IRA or 401(k) to a self-directed account, which allows you to invest in alternative assets, such as real estate and precious metals.
When structured as a Roth account, you can avoid capital gains taxes, thus giving you more earnings over time via compound interest. Not even standard financial accounts and tax loopholes can touch this amount of tax advantages.
Get the Self-Directed eBook to Learn More!
Who Is Self-Directing Right for?
Self-directing is right for anyone with or without a retirement plan who wants to build generational wealth and begin their retirement path. You may qualify for a self-directed retirement plan if you:
- Have an existing 401(k) plan from a previous employer.
- Own an IRA and want to generate more capital gains.
- Invest in real estate or alternative assets and want to compound more money from your earnings.
- Have a family member or friend with an IRA and want to capitalize on this opportunity.
- Are ready to start your retirement journey.
Horizon Trust will verify whether you meet existing income requirements for your desired account and help you get started on this journey. Even if you are curious and not ready, download the ebook to learn more!
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Why Self-Direct Your Retirement Plan
Stake Your Retirement On Investments You’re Knowledgeable In
Unlike standard retirement plans that only allow you to invest in stocks, bonds, and mutual funds, self-directed accounts allow you to invest in a wide range of alternative investments–at a tax-advantaged rate! Instead of staking your retirement on the stock market, self-directed IRAs allow you to invest in high-growth assets that have historically higher returns, such as:
- Real Estate
- Precious Metals
- Bitcoin and Cryptocurrency
- Private Equity
- Startups and Businesses
- Tax Liens
- Promissory Notes
- Commodities and Royalties
Build More Wealth with Compound Interest
Self-directed retirement plans can be structured as Traditional or Roth-style accounts, giving you massive tax advantages that are not even available to standard financial vehicles. When structured as a Roth account, you could invest in real estate, a startup, or Bitcoin without ever paying a dime in taxes on your earnings. Plus, Roth accounts don’t have Required Minimum Distributions (RMDs), which means you can continue to build earnings well into your golden years and give the money to your descendants.
Protect Assets by Structuring Your Retirement Plan as an LLC
Another massive advantage of self-directing your retirement plan is the ability to open an LLC inside of your retirement plan. This comes with added tax benefits and enables “checkbook control,” allowing you to issue eligible investment payments directly from your retirement plan without seeking approval from your custodian.
Get the Self-Directed eBook to Learn More
You may be asking yourself why more people aren’t self-directing their retirement plans. The truth is, despite being available for almost 40 years, many people simply aren’t aware that self-directing is an option.
That’s why Horizon Trust prides itself on educating its customers, whether it’s through our biweekly webinars, monthly newsletters, educational blog content, or free ebooks available on the website.
If you want to learn more about self-directing and how you can use it to scale your portfolio like never before, click the link below to download the free ebook on self-directing, developed by our experts on the Horizon Trust staff.