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Compare an actual 2008 Self Directed IRA Retirement Account!
Here we have two actual Self Directed IRA Retirement account statements from July 2008 thru September 2008 which was a tough time for most investors everywhere. Both participants have about $50,000 invested in their plans. Notice how our customer on the left stayed about the same but the investor on the right lost about $6,000. (Click each image to enlarge). |
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EQlibrium Statement | CLICK IMAGES TO ENLARGE | Competitor Statement |
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Q. Are Self-Directed IRA Plans a
good retirement investment plan?
A. Yes. A Self-Direcetd IRA
offers long term security and
financial profits from traditional
and non-traditional investments.
Q. Do Self-Directed IRA Plans
have tax advantages like other
retirement plan investments?
A. Yes. A Self-Directed IRA has
many of the tax advantages of a
standard retirement IRA plan.
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Self-Directed IRA. More and more people are putting retirement dollars into real property because you always have the asset itself as a security. Many investors are tired of the low returns or even losses that they have experienced in their retirement accounts that were limited to stocks, bonds or mutual funds. Most of our clients look to EQlibrium as a way of not only earning significantly higher rates of return but actually recouping losses they have experienced over the last several years.
Some of the investment options include, but are not limited to, real estate, stocks, mortgages, franchises, partnerships, private equity and tax liens. Self-directed IRA's, by allowing a wide range of investment choices, improve the account owner's opportunities to diversify their IRA portfolio.
If you have no retirement plan at work and you're under 70-1/2 years of age, you can invest in a deductible IRA and deduct the entire amount from your taxes.
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| Email us here to request our Free Self-Directed 401k Investments Information Packet or use our Self-Directed 401k Contact Form. |
If you have a Self-Directed 401(k) or other retirement plan at work, you may fully or partially deduct your contribution from your taxable income if your adjusted gross income qualifies.
To see if you qualify for a deductible IRA, which lets you deduct all or part of your contributions from your taxable income, use the following guidelines:
If you have no retirement plan at work and you're under 70-1/2 years of age, you can invest in a deductible IRA and deduct the entire amount from your taxes.
If you have a 401(k) or other retirement plan at work, you may fully or partially deduct your contribution only if your adjusted gross income (AGI) qualifies. Your AGI normally cannot exceed about $62,000 if you're single or head of household, (always confirm amounts for each new calendar year) or $103,000 if you're married and filing jointly.
If you're not covered by a retirement plan, but your spouse is, you may qualify for a full or partial deduction if you file jointly and your AGI is below $166,000. (The same rule applies if you're a non-working spouse of someone covered by a retirement plan at work.)
If you're not eligible to contribute to a deductible IRA, you may be eligible to contribute to a Roth IRA if your AGI is below $114,000 if you're single or $166,000 if you're married filing jointly.
If you make too much to qualify for a Roth IRA and are not eligible for a deductible IRA, a nondeductible IRA is a valid option. Your contribution won't be deductible, but at least your savings will grow tax-deferred.
How do you begin the Process for a Self-Directed IRA?
Call Louis Pugliese (866) 200-8554 (toll free) or (602) 889-7301, or Email us here to request our Free Self-Directed IRA Information Packet or use our Contact EQlibrium Investments form.
More Self-Directed IRA Information...
What is a Self-Directed IRA?
A self-directed IRA is technically no different than any other IRA (or 401k). A self directed IRA is unique because of the available investment options.
Most IRA custodians only allow approved stocks, bonds, mutual funds and CDs. A truly self directed IRA custodian, like Equity Trust, Fiserv, Pensco etc. allows those types of investments in addition to real estate, notes, private placements, tax lien certificates and much more that your traditional Custodian does not offer. In fact, a truly independent Custodian will actually not make any investment recommendations at all. They view the purpose of their principle role is to make sure you are following proper procedure regarding tax guidelines. Most of the larger independent IRA Custodians have already approved EQlibrium Projects as an investment that you can use for your self-directed IRA and they will even help you set one up and transfer from your traditional IRA.
What are the benefits of a Self-Directed IRA?
In addition to the tremendous IRA benefits (tax-free profits, tax deductions, asset protection and estate planning), with a Self-Directed IRA you are able to invest tax-free in investments that you know and understand, which through the power of compounding interest, will create true wealth for you and your family.
Why haven’t I heard of a Self-Directed IRA before?
While the concept of investing in real estate and other assets in retirement plans has been accepted by the IRS for more than 30 years, the concept has not received much attention because most custodians who offer IRAs (banks and brokerage firms) focus on mutual funds and CDs because they have vested financial interests in you selecting those investments from them.
Because of their financial incentives, the majority of custodians focus on stocks and CDs. There is a misperception that is your only investment option for retirement plans, which is not the case. Since Stocks, mutual funds and CD’s have hurt many investors recently, we are seeing a dramatic increase in the amount of investments coming from self-directed IRA plan into alternative investments that are typically earning a higher rate of return and almost always secured by some sort of asset which in turn reduces risk.
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