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What Are Self-Directed IRAs?


A self-directed retirement account allows you to choose the method for investing your money. The flexibility of IRA accounts allows investors to place money into any asset permitted by the IRS, including traditional and alternative investments.


Alternative investments are bought, sold, and maintained through a self-directed IRA while earning tax benefits on capital gains. They allow the investor to acquire alternative assets that maintain the benefits of tax-free or tax-deferred growth.


Historically, banks, brokerage firms, and insurance companies controlled the type of investments made with IRAs and 401(k)s. They offered a more traditional approach to investing by limiting options to publicly traded stocks, bonds, and mutual funds.


Self-directed IRAs extend to a diverse set of alternative investments and allow the investor to purchase alternative assets through the IRA.