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Archive for the ‘Self Directed IRA’ Category

Equity Trust: What are Allowable Investments in a Self Directed IRA?

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My dad was the first person to tell me about IRA custodian companies. I was under the mistaken impression that I could only invest in stocks and mutual funds with my retirement accounts. He corrected my assumption and told me about a self directed IRA custodian called Equity Trust Company. I thought it was a nice concept because, at the time, the stock market was beginning to get rocky. However, I didn’t investigate it because I couldn’t imagine what else I would invest my money in.

It wasn’t until I heard someone speak at a Georgia Real Estate Investors Association (GAREIA) event that I realized that the IRS allowed investments in real estate. Ignorance may be bliss, but it’ll also make you poor! 

Actually, there are quite a number of “[allowable] investments at Equity Trust include the following:

  • Residential real estate—including apartments, single family homes, and duplexes
  • Commercial real estate
  • Undeveloped or raw land
  • Real estate notes (mortgages and deeds of trusts)
  • Promissory notes
  • Private limited partnerships, limited liability companies, and C corporations
  • Tax lien certificates
  • Foreign currencies
  • Oil and gas investments
  • Publicly traded stocks, bonds, mutual funds (see our Brokerage Information)
  • Private stock offerings, private placements
  • Judgments/structured settlements
  • Gold bullion
  • Car paper
  • Factoring investments
  • Accounts receivable
  • Equipment leasing”

I haven’t opened a self directed IRA account yet, but I have learned more about the process through Equity Trust. (There are other companies out there who serve as custodians for these accounts – I just like Equity Trust). Their staff is great! They call me periodically to give me more information and to ask if I have any questions. Also, they don’t hassle me to buy anything or open an account before I’m ready.

Here’s a quick video from them about allowable investments in self directed IRAs:


I am not an attorney or an accountant! Please seek out the advice of these professionals before you make ANY investment decisions because the burden of due dilligence lies on you. This post is for information purposes only.


Written by Stephanie Peay

September 10, 2009 at 1:24 am