Self-Directed Retirement Plans for Alternative Asset Investing

The Traditional IRA was first authorized by Congress in 1975, and is the oldest and most common type of retirement plan designed for individuals. The only contribution requirement for a Traditional IRA is sufficient earned income to make the contribution. The eligibility requirements are based on one's adjusted gross income, filing status, and access to other retirement plans. Contributions are tax deductible and investment earnings grow tax-deferred until withdrawn.

With a RealTrust Self-Directed Traditional 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. 

There are three (3) primary ways to fund your RealTrust Self-Directed Traditional IRA:

  1. Make a contribution to your RealTrust IRA account
  2. Transfer funds from your current IRA custodian directly to your RealTrust IRA account
  3. Rollover funds from your former employer plan, such as a 401(k), 403(b) or 457(b) directly to your RealTrust IRA

Eligibility Requirements and Contribution Limits:

Features Traditional IRA Roth IRA

Who can contribute?

If you are 70.5 or older in 2019, you can't 
make a regular contribution to a Traditional
IRA.  If you are 70.5 or older in 2020, there
is no age limit for contributions.

You can contribute at any age if
you (or your spouse if filing jointly)
have taxable compensation and
your modified adjusted gross
income is below certain amounts
(see 2020 limits).

Are my contributions deductible?

You can deduct your contributions if
you qualify

Your contributions aren’t deductible.

How much can I contribute?

The most you can contribute to all of your traditional and Roth IRAs is the smaller  of:

  • $6,000 (for 2020), or $7,000 if you’re age 50 or older by the end of the year or
  • your taxable compensation for the year

What is the deadline to make contributions?

Your tax return filing deadline (not including extensions)For example, you have until April 15, 2020, to make your 2019 contribution

When can I withdraw money?

You can withdraw money anytime.

Do I have to take required minimum distributions?

You must start taking distributions by April 1

following the year in which you turn age

70½ (if your DOB is before 6/30/49) or

age 72 (if your DOB is after 6/30/49) and

by December 31 of later years.

Not required if you are the original

Are my withdrawals and
distributions taxable?

Any deductible contributions and
earnings you withdraw or that are
distributed from your traditional
IRA are taxable. Also, if you are
under age 59 1⁄2 you may have to
pay an additional 10% tax for early
withdrawals unless you qualify for
an exception.

None if it’s a qualified distribution (or
a withdrawal that is a qualified
distribution). Otherwise, part of
the distribution or withdrawal may
be taxable. If you are under age 59 1⁄2,
you may also have to pay an additional
10% tax for early withdrawals unless
you qualify for an exception.

(See Internal Revenue Service Publication 590 for more information.)

Open a RealTrust Self-Directed Traditional IRA today:

Self-Directed Traditional IRA Application