Self-Directed Retirement Plans for Alternative Asset Investing

In 1997, Congress authorized the Roth IRA, making withdrawals from Roth IRA accounts tax free, general speaking. Investment returns within your Roth IRA account, including rents, capital gains, dividends, and interest income, are also tax free, thereby avoiding both current and future tax liability. In contrast to a Traditional IRA, contributions to a Roth IRA are not tax-deductible; hence they are "post-tax" vs. "pre-tax" coming in, but tax-free going out.

With a RealTrust Self-Directed Roth IRA, your investment options extend beyond the scope of conventional Wall Street products (e.g.- stocks, bonds, and mutual funds), affording you the opportunity to invest in alternative assets such as real estate, private loans, private placements, start-up ventures, precious metals, and many others.

As of 2008, you may convert funds held in your current employer plan, such as a 401(k), into a Roth IRA. While this conversion event is taxable, it provides you a means of funding your Roth IRA with more than the annual contribution of $6,000 plus a catch-up provision of $1,000 (for those 50 or older).

In 2010, the income limits for converting a Traditional IRA to a Roth IRA were eliminated. You are now free to convert all or part of a Traditional IRA to a Roth IRA (but, you must pay tax on the value of the amount converted).

Another advantage of the Roth IRA is that contributions may be made even after you are 701⁄2, and you are not required to take required minimum distributions (but your heirs will). In most cases, a Roth IRA Holder may withdraw the principal amounts contributed/converted without any tax liability.

A Self-Directed Roth IRA may be right for you if:

  • You want to self-direct your IRA investments
  • You want tax-free earnings and no taxation on withdrawals
  • You are already saving for retirement with an employer-sponsored plan
  • Your income does not exceed the income limits for contributing
  • You want to invest for retirement but may need to access your savings sooner
  • You expect your tax rate during retirement to remain the same or to be at a higher level than your current tax rate

Eligibility Requirements and Contribution Limits:

If your filing status is...

And your modified

AGI is...

Then you can


married filing jointly or qualifying widow(er)
  • < $196,000 
  • ≥ $196,000 but < 206,000
  • ≥ $206,000
  • up to the limit
  • a reduced amount 
  • zero 

married filing separately 
and you lived with your spouse at any time during the year

  • < $10,000
  • ≥ $10,000
  • a reduced amount
  • zero 

single, head of household, or married filing separately
and you did not live with your spouse at any time during the year

  • < $124,000
  • ≥ $124,000 but < $139,000
  • ≥ $139,000
  • up to the limit
  • a reduced amount
  • zero

Eligibility: You can contribute to a RealTrust Self-Directed Roth IRA if you have taxable income and your modified adjusted gross income falls within the limits set forth above.

Contribution Limits:
2019  - $6,000 plus $1,000 catch-up contributions if you are age 50 or over. (See Internal Revenue Service Publication 590 for more information.)

2020  - $6,000 plus $1,000 catch-up contributions if you are age 50 or over. (See Internal Revenue Service Publication 590 for more information.)

Open a RealTrust Self-Directed Roth IRA today:

Self-Directed Roth IRA Application Kit