Maximize Your Retirement Savings through Real Estate

Maximize Your Retirement Savings through Real Estate

  • Denise Graves
  • 11/4/23

Unlock the power of your IRA with real estate investments.

When it comes to investment, diversification is key, and one way to diversify your portfolio is by investing in real estate using your Individual Retirement Account (IRA). Yes, you read that correctly – you can use your IRA money to purchase real estate assets such as houses, land, condos, and more. But why would someone choose real estate for their IRA investments?

Investors often turn to real estate as a solid investment option, offering tangible assets that can generate dividends, interest, and potential appreciation. So, if you have idle IRA funds, why not put them to work in the real estate market? But how does it work?

Firstly, you can't simply call your stockbroker and instruct them to buy a house with your IRA money–that's not how it works. Instead, you need to use a custodian that specializes in self-directed IRAs. These custodians allow you to diversify your retirement investments beyond stocks, bonds, and mutual funds, and into real estate.


"Are IRAs and real estate a good match? Absolutely!"


What can you buy with your IRA? The options are diverse, ranging from condos to rental properties, land, and more. The only restriction is that you cannot purchase a property to live in personally. However, almost anything else related to real estate is fair game.

The amount you can invest in real estate using your IRA depends on your account balance. Whether you have $50,000, $100,000, or more, it's worth considering real estate as an investment opportunity. You can even combine funds from multiple IRAs to make larger real estate purchases.

To illustrate, consider the example of purchasing a home for $160,000. With the right approach, you could use $60,000 from your IRA and secure a loan for the rest. The rental income generated by the property flows back into your IRA, potentially boosting your retirement savings.

Are IRAs and real estate a good match? Absolutely! They complement each other seamlessly. If you're intrigued by the possibilities of combining your IRA with real estate investment, feel free to call or email. We can provide more information, answer your questions, and guide you toward a strategy that aligns with your financial goals. Don't hesitate to get in touch for a detailed discussion on this exciting investment opportunity.


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