Can I use my IRA or old 401(k) for real estate?
Short answer: yes. You're allowed to use your retirement account to purchase private assets such as real estate.
Old 401(k)
From a former employer, typically eligible to roll over into a self-directed IRA.
Traditional IRA
Transfer into a self-directed Traditional IRA to hold real estate.
Roth IRA
Self-directed Roth for potential tax-advantaged growth, subject to the rules.
SEP & SIMPLE IRA
Common routes for business owners and the self-employed.
HSA
A self-directed Health Savings Account can invest in real estate.
CESA
A self-directed Coverdell education savings account that can hold real estate.
The two questions that decide it
Are the funds eligible to move?
Old employer plans and existing IRAs are able to be rolled over or transferred into a self-directed IRA (SDIRA).
Is the account the right type?
Traditional, Roth, SEP, or SIMPLE, each has different contribution and tax treatment. We help you understand the fit.