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What Is A Self Directed IRA?
Nationwide, a growing number of people are utilizing government-sponsored retirement plans (IRAs) to realize tax free and tax-deferred profits on all of their investments. A combination of emerging trends has made this possible.
First, the knowledge that IRA benefits (tax-free and tax-deferred profits/tax-deductions) apply to all types of investment possibilities, like real estate, private placements, mortgage notes, deeds of trust, and even livestock; not just traditional assets such as stocks, bonds and mutual funds.
Since the IRA was created in 1974, investing in real estate and other alternative assets has been legal. IRS Publication 590 (dealing with IRAs) states what investments are prohibited; these investments include artwork, stamps, rugs, antiques, and gems. All other ira investments, including stocks, bonds, mutual funds, real estate, mortgages, private placements, or even livestock are perfectly acceptable as long as IRS rules governing retirement plans are followed.
Most investors haven’t heard of this opportunity because most IRA custodians do not offer self-directed IRAs that allow you to invest in real estate and other non-traditional investments.
In addition to not paying taxes on your real estate profits, a truly self-directed IRA allows you to invest in assets you are most familiar with to secure your financial future.
If you were to contribute $4,000 a year to an IRA and assume an 8% rate of return for 30 years, your self-directed IRA would be worth $449,133 at the end of year 30.
If you made the same investment in a non-tax sheltered environment, assuming a 31% tax rate, it would be worth $286,752 instead of $449,133.
One of an IRA’s greatest features is that it allows you to enjoy the true power of tax deferred compounding interest. Compound interest occurs when interest is earned on a principal sum along with any accumulated interest on that sum. In other words, you are earning interest not only on your original investment money, but also on the interest earned from the original money.
Compound interest can occur with any investment you make, but the “true” power of compounding interest is obtained when you make an investment in a tax deferred environment, like an IRA. By taking advantage of an IRA’s tax-deferred status, you do not have to pay tax immediately on your earnings (like the sale of a property or rent collected).
Will You Be Able to Retire at 65…at 70…at 75?
Will you have enough money to live better in retirement?
Will you have enough money to retire when you want to?
Will you have enough money to last throughout retirement?
As a real estate investor, you qualify for SIMPLE, SEP, Individual(k) and Roth Individual(k) IRA plans. While some of the plans seem only appropriate for just small businesses, it is important to note that real estate investors, like you, qualify for these plans in addition to a Traditional or Roth IRA.
The advantages of these plans are larger contribution limits and larger tax-deductions, plus your spouse, if employed, is eligible to participate. The best part is that you can still contribute to standard individual plans like a Traditional or Roth IRA in addition to a small business plan like a SIMPLE or SEP.
We can offer you an attractive rate of return for the use of your money. Your loan will be secured by a mortgage on real estate, with an attractive loan to value ratio. Your returns are either tax-deferred or tax-free, depending on which kind of IRA you have. Your real rates of return outside of tax-deferred/tax-free vehicles are reduced anywhere from 30-50% by taxes. If you don’t have a self-directed account yet we would be happy to introduce you to a company that has been assisting investors for 35 years and manages $3 billion in IRA assets. Or lend yourself some of your money as your own private bank and invest in one of the commercial or residential properties that we find for you or a group of investors like you.
When you become a member of our Gold VIP Online Real Estate Course you will learn multiple strategies to make money in real estate. http://interactive-media-network.com/products/memberships
Commercial Real Estate
Let’s talk about what commercial real estate opportunities can make money for you via finder’s fees or investing.
We’re talking about finding commercial listings that all-cash buyers want to snap up.
Desirable properties have three characteristics.
1. They are in a property class that is desirable.
2. They have good cash flow.
3. They have a good upside “story”.
I want to talk about property classes right now that are most desirable.
Let’s start with something that may be somewhat of a surprise.
Student housing. Why student housing? Because parents help kids pay for their housing. Parents can often guarantee payment. So you have two sources of the rent. Never hurts!
Multi-family commercial residential. This can be one bedroom or larger units. 2 or 3 bedroom can be ideal for conversion into Section 8 housing. Section 8 housing is partially paid for by the federal government. There are strict standards and the government must periodically inspect your property.
But the government pays generous rents. Section 8 can be immensely profitable. Regardless of whether the multi-family is Section 8 or not, everyone has to live somewhere.
As more home owners lose their homes they move into apartment rentals. The prospects for commercial residential apartment buildings then gets brighter. Rents are going up in some places.
The second most desired commercial listing is commercial warehouse. When people move out of their home they are often down-sizing from a 3 or 4 bedroom to a 1 or 2 bedroom. They need the warehouse space as a storage facility.
The third type of commercial listing that is highly desirable is assisted living. Think about it. Right now millions of baby boomers are silently aging. Within 10 years millions will be in the 75 year range and some will need extra help. The need for assisted living facilities will explode. They are already in demand and bring high cash flow returns in certain states right now.
The fourth type of commercial listing in high demand are homes for sale in the form of bulk REOs.
So if earning significant finder’s fees, by developing a bird dogging business, is of interest to you you can start by joining the Gold VIP Real Estate Online Course here: http://interactive-media-network.com/reviews/real-estate. You don’t have to limit yourself to commercial listings as we provide everything you need for residential strategies also. We have been active in real estate for 25 years. Now is the time to get involved. Investing in commercial listings may also be appealing to you in which case you could invest in one of the deals we find for you or for a group of investors like you. If you are wanting to be an investor you should join also. Or if you are an experienced investor let us know what you are interested in: http://interactive-media-network.com/newsletters/?p=subscribe&id=18
Business Management-Interactive-Media-Network.com
http://www.youtube.com/user/interactivemedianet Business Management- http://interactive-media-network.com can help you with your business management. As Business Management Consultants we provide a business management process which covers marketing and strategic business management. Within our online business management system we provide strategies on the usage of bartering, asset protection, business plans, product launches, publicity contacts, fund raising for charity or non-profits, business start-ups, government contracts, where to find JV partnerships, licensing deals and funding through Angel Investors.
The Master Plan
http://www.youtube.com/watch?v=b-q6TMivK9Q
Watch the video to see why we call the private Gold VIP membership “The Master Plan” and then join here: http://interactive-media-network.com/members/benefits.html
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