I recently read a story about a real estate investor who was using his rollover Roth IRA for some of his most lucrative transactions. The tax-protected nature of the account is perfect for real estate investments, but the typical traditional escrow company doesn’t offer or allow the option.
It is a pity. By keeping their clients “stuck” in the stock market, they have prevented them from earning their full potential. In fact, they have made it impossible for some people to retire.
You can’t blame the account holders. They did what everyone suggested they should do. Made their maximum annual contribution to a qualified account. Typically, they used pre-tax dollars to reduce their income taxes for that year. Advisors rarely suggest a rollover Roth IRA because there is no immediate benefit. But that means non-Roth account holders have to worry about paying taxes after retirement, along with everything else.
Certainly, there are a few things to consider before converting a traditional Roth IRA to a rollover. A complete conversion will be taxed as regular income for the year or years in which the conversions take place. But, it is advisable to at least consider converting a part of the fund. No tax on qualified distributions is the main advantage.
So basically traditional advisors have made their clients lose money by keeping them in the stock market. This has been especially true over the last year, when the account holder lost an average of 20%. And they made them lose more money in taxes after they retired.
If you choose the right self-directed custodian, they will allow you to invest in anything that is allowed by the tax code. You can still hold a few shares, if you want, but it’s a volatile market, to say the least. You may not think that real estate is much better, but let me tell you a few things about it.
A person who has invested in “real” assets (houses, land, office buildings, etc.) has something that has “real” value. Cash is only worth what he can buy. The value of the shares depends on how well the company runs its business. The value of cars and other personal property depreciates over time.
We are offering a real estate investment that is guaranteed to at least double the ROI you got last year on traditional vehicles like stocks, bonds, and mutual funds, etc. Yes, we guarantee that you will at least double the ROI you earned last year. I strongly recommend that you refer to this information. I bet if you join this program you will call all your friends and tell them about your guaranteed ROI. This investment could be just what you need for financial freedom and peace of mind in retirement.
The appraised value of a home can fluctuate in the short term, but over the long term home values ”appreciate.” Therefore, a rollover Roth IRA that is invested in real estate will also appreciate in value.
The investor I mentioned at the beginning of the article has experience in rehab. On an average deal, he makes around $50,000 in profit. Typically, he completes two or more of these deals per year. There is simply no other type of investment with higher returns.
Hopefully, I’ve given you something to think about, here. I want people to be able to retire. If their Roth IRA rollover is invested correctly, they can retire in style. If you have two minutes to spare, feel free to browse through my website.