Tag Archives: Real Estate IRA self-directed

Real Estate

Your IRA: Real Estate to Boost Income

The recent downturn in the economy has greatly impacted the retirement plans many account holders. Since the year 1980 many American taxpayers adopted the employer-based retirement accounts because it was easy to manage as mutual funds, its great income potential and its tax advantages. Traditionally fund administrators devoted these funds into the usual investment types such as stocks, bonds and the money market.

Since the crash of the stock market in 1986 and 2010 many of the retirement account owners have seriously considered shifting or doing rollovers to Individual Retirement Arrangements or IRAs. IRA was probably only viewed as a bonus on top of what they expect to receive from social security and their company pension plan when these employees were just starting off. The IRA has become the only way by which taxpayers can save for a retirement in the fashion they had envisioned because of these recent economic developments affecting both the government and business sectors.

An IRA allows taxpayers to have better control over the means by which he can achieve his retirement goals, either as a substitute for or as a supplement to his existing pension plan. Additionally, it increases the control of the account owner in investing his assets in order to optimize its potential, especially if he owned a self-directed account. Which, in the recent years, many account owners have seen this wisdom of investing in real estate because of its demonstrated stability. In IRA, real estate is an allowed asset that can be held by the account aside from the traditional assets like stocks and bonds.

In an IRA, real estate can afford the account owner to generate income and still enjoy tax privileges. This is what is called a real estate IRA. Self directed IRA accounts even provide more flexibility because an account owner can make investments in behalf of the account. In having a custodian who specializes in real estate as well as provides other services for your IRA, real estate investment can prove to be even more satisfying. In this manner, you can be rid of chore normally associated with the management of real estate such as rental collection and maintenance.

It would not matter whether you have a traditional IRA or a Roth IRA, real estate investments can help you generate income for your account with tax benefits. In the former, your tax benefit would be in the way of paying only regular income taxes on qualified withdrawals from your account aside from tax-free contributions. And come retirement time your account would have included all income generated by your asset investments. In a Roth IRA, real estate investments make continuous income until such time as you retire; then you are eligible for qualified withdrawals – tax-free. You are looking at a considerable amount of income here because income can either be derived by leasing out the property or by capital gains if you resell it.

You will be able to save for your retirement and make the money grow tax-free by investing your funds an IRA. Real estate affords you the stability to make you realize profits at a steadier pace than you would when investing in traditional investments. By having a self-directed IRA, investing in real estate is totally under your control and could turn out to be even more rewarding.

Gerald McCabe is a leading IRA Real Estate custodian that helps those nearing retirement learn how to invest in real estate notes with their IRA. Visit http://myselfdirectedira.com for the latest IRA Real Estate strategies or call us at 888-683-5228

Real Estate

IRA Real Estate is a Better Investment

There are numerous individuals who give out opinion on which assets are the best for investing. For them, the best retirement assets you can invest are bonds, stocks, and mutual funds. Only quite a few have considered tangible assets such as real estate and gold bullions to be the best retirement investments. Today, the usually talked retirement assets in the United States are bonds, stocks, and mutual funds that is why we need to introduce a better retirement investment for the IRA plans-real estate. As a matter of fact, you need to know something about IRA real estate investing and why it is better than the traditional assets.

With an IRA real estate, you are permitted to invest your retirement funds in your IRA account into real estate property. It is good to know that you can invest numerous retirement assets for your IRA account aside from the conventional assets. You will be able to increase the value of your IRA portfolio and generate a good amount of income returns as well by investing in an IRA real estate investment. The value of the IRA portfolio you have will increase and you can expect the same with the value of the real estate property you have in your IRA account. And, with the presence of a good real estate IRA/self directed IRA custodian, you should be able to enjoy your retirement more.

The Internal Revenue Service have installed several policies for real estate investing. The first rule that is very important is to never use the real estate that has been invested in an IRA for personal use. This rules has been extended by the IRS to your family members prevent self dealing. Your account will be disqualified by violating this rule and not just paying some heavy penalties. If you have a previous retirement account or let us say an employer’s retirement plan, you can transfer the funds you invested there to your IRA account through a rollover. Even your real estate property can be rolled over to your IRA. By performing a real estate rollover, you are able to avoid paying some taxes. Having tax benefits are among the reasons why some IRA account owners invest in a real estate property.

There are so many choices to choose from concerning the real estate investments. Commercial real estate, seashore real estate, and residential real estate are some of the properties that you can invest in your IRA account. You don’t have to look further because these are considered the best real estate investment for your IRA. You need to remember that there is a huge gap between an IRA real estate and a real estate market. The value of a real estate is vulnerable to any economic phenomena. Still, having it in an IRA account should make it invulnerable. Its value cannot be affected by any fluctuations in the economy which proves that it is a good investment.

Having an IRA real estate is a good way of producing money for the future. These days, it is considered to be way better than the conventional retirement investments because of the current status of the economy. The facts stated above will grant you success in your IRA account. Although an excellent decision would be to look for real estate experts and ask them their current stand with real estate property.

If you need more info on IRA Real Estate, My Real Estate IRA would be happy to help you. They’ll spend the time with you to structure the Self Directed IRA and help you with the best IRA Real Estate to fit your specific needs. Visit http://myrealestateira.com or call us at 888-683-5228

Real Estate

The Importance of a Real Estate IRA/Self Directed IRA Custodian

Are you interested to take part in different type of investment other than traditional ones like stocks, bonds and mutual bonds? How about trying real estate IRA investing? Are you looking for a real estate IRA/self directed IRA custodian to help you around?

Every IRA account must comply with the rules of IRS. The real estate IRA/self directed IRA custodian can help you understand the rules more. They will not only provide you the rules of IRA real estate investment but they will also help you process the documents needed in this investment. Therefore they are the administrator of your retirement plan.

Even if you have full control over your investment portfolio, the real estate IRA/self directed IRA custodian will still help you out to process things easier. An investor cannot process alone his investments especially if he is new in the investment industry. If you have an experienced custodian beside you then the work load will be lessened.

There are two types of custodians that you need to know about because they have dissimilarities when it comes to customer- service they provide their clients. The custodian that do not provide advices to their clients is called passive custodians. What they can do for you is to ensure that your investment will comply with the rules of IRS. On the other hand, active custodians provide his clients advices as well as offers investment products.

The custodian and the investor are partners to gain success in an investment.

If you have made your mind that you will take part in real estate investment then you must make sure that your chosen real estate IRA/self directed IRA custodian is well experienced in the investment industry. If you want to manage your real estate investment in an orderly and timely manner then you must consider the steps below.

1. It is the realtor who writes the sale agreement but when a property is bought it is under the name of the chosen custodian.

2. Investment authorization forms is needed to be filled out, make sure that your IRA custodian is with you if you do so.

3. Present the paperwork to your IRA custodian for analysis.

4. For safe keeping purposes the custodian will be the one to hold on to the deeded property as well as other important documents.

Careful assessment is needed before you transact with a custodian because there are a lot of important things that you will be entrusting him or her. Make sure that they are well experienced when it comes to IRA real estate investment. It is also okay to run a background check just to make sure that they are not fake custodians.

Custodians are not that difficult to find but you just not lack judgment in dealing with one. The presence of a custodian is still important because they will help you avoid getting penalties. Your chosen custodian makes sure that you will not only comply with the rules of IRS but you will also not do any prohibited transactions such as “self dealing”. Make the right choice by investing in real estate to improve your investment returns with the help of a knowledgeable real estate IRA/self directed IRA custodian.

If you need more info on Real Estate IRA Self Directed, AES (a leading real estate IRA custodian) would be happy to help you. They’ll spend the time with you to structure the Self Directed IRA or your Real Estate IRA Self Directed to fit your specific needs. Visit http://myrealestateira.com or call us at 888-683-5228

Real Estate

Real estate IRA Self Directed IRA Alternative

Because of the fiasco caused by the Madoff case – including some unpublicized cases – many retirement account owners have shifted to self directed IRAs. This is considered as a safe investment strategy because it gives owner total control over the administration of the account. It should, however, be noted that the majority of investment advisors and brokers have produced good, if not exceptional results for their advisees. These fund advisors, brokers and administrators, being in the industry of investments, make it their business to be always kept abreast of profitable ventures. This dilemma is what faces owners of self directed IRA accounts because the accounts require a great deal of research and leg work.

Lately, however, in real estate IRA, self directed retirement accounts owners have found in its investment very promising prospects because of its non-traditional nature and flexibility. Real estate IRA investing allows the account owner to purchase for the account a wider variety of instruments such as tax liens, mortgages, personal loans, raw land, foreclosures, homes and rental properties. This is opposed to the traditional retirement fund investments in the traditional retirement accounts that are limited to stocks and bonds as well as the money market.

Also in real estate IRA, self directed retirement account owners are able to realize profits inside the fund with the benefit of untaxed income. For instance, an account owner purchases a foreclosed property with the account’s cash at a rock bottom prices. This is the time to do it because banks, at this point in time, are anxious to liquidate their foreclosed properties. After the sale has been consummated and the property, say a commercial building, is transferred into the account, the account owner can commence leasing out the commercial spaces. All of the rental income collected from the lease agreements go back into the account. Similarly, all expenses related to the maintenance as well as other incidental expenses are taken from the account. All of these transactions, while reported to the IRS, are untaxed simply because they are done in the retirement account.

Evidently, when investing in real estate IRA, self directed retirement accounts have the advantage of security of investments. Comparing it with stocks, bonds and the money market, real property is a tangible proof of your investment and has always established its capability to appreciate in value over time. However, real estate IRA investing is for long term because although price appreciation is almost always assured, such does not happen overnight. In contrast, the traditional retirement fund investments can double its value over a span of days and just as quickly fall. Real estate IRA is obviously the choice for retirement funds that have a many years to go before withdrawals are made.

When investing in real estate IRA, self directed retirement account holders need to remember to abide by the rules and regulations set forth by the IRS or they lose their tax benefit. The most important thing is that real property investments could not be used for personal consumption by the account owner or his immediate family, ascendants or descendants. The acquisition of real property in IRA is therefore for the sole purpose of generating income for the account. Violating these rules will make you liable for regular tax rates which can set your retirement back considerably.

For more information about Real Estate IRA Self Directed and other important business topics and for legal consultation, please visit our Real Estate IRA Self Directed website at http://assetexchangestrategies.com or call us at 866.683.5228