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Self Directed IRA
Posted on 1/27/12 at 9:10 pm
Posted on 1/27/12 at 9:10 pm
I am not to familiar with Self Directed IRAs. If mutual funds are not going to beat the market consistantly, due to fees or managment, why not just a have branch of your IRA where you can own individual stocks?
You have more risk, but you are not paying as much in fees.
What are the pros and cons, I am not considering?
You have more risk, but you are not paying as much in fees.
What are the pros and cons, I am not considering?
1
Posted on 1/27/12 at 9:40 pm to Tiger4
You can own stocks in a regular IRA. Your risk/reward ratio is not as good as with an index fund, but you can do it, no problem.
A self-directed IRA allows you to hold certain additional assets such as private placements, raw land, farmland, tax liens, hedge funds, collectibles, etc.
Interestingly, you can hold real estate with a regular IRA provided you always rent it out and never live there. Although many custodians won't support that the IRS allows it.
ETA: Individual stocks don't beat the market on average either, basically you have to get lucky. Mutual funds are better in this regard, and index funds better than that. Hardly anyone "beats the market" although one can validly argue about what that phrase actually means.
A self-directed IRA allows you to hold certain additional assets such as private placements, raw land, farmland, tax liens, hedge funds, collectibles, etc.
Interestingly, you can hold real estate with a regular IRA provided you always rent it out and never live there. Although many custodians won't support that the IRS allows it.
ETA: Individual stocks don't beat the market on average either, basically you have to get lucky. Mutual funds are better in this regard, and index funds better than that. Hardly anyone "beats the market" although one can validly argue about what that phrase actually means.
This post was edited on 1/27/12 at 9:42 pm
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