{"id":1550,"date":"2022-06-04T00:31:19","date_gmt":"2022-06-04T00:31:19","guid":{"rendered":"https:\/\/blog.ark7.com\/?p=1550"},"modified":"2023-06-20T06:58:47","modified_gmt":"2023-06-20T06:58:47","slug":"self-directed-ira-vs-regular-ira","status":"publish","type":"post","link":"https:\/\/ark7.com\/blog\/learn\/in-depth\/401k-and-iras\/self-directed-ira-vs-regular-ira\/","title":{"rendered":"Self-Directed IRA vs. Regular IRA"},"content":{"rendered":"<div class=\"boldgrid-section\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-12 col-md-12 col-xs-12 col-sm-12\">\n<p class=\"\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1555\" src=\"https:\/\/blog.ark7.com\/wp-content\/uploads\/2022\/06\/coins-1-300x200.png\" alt=\"\" width=\"1139\" height=\"759\" srcset=\"https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/06\/coins-1-300x200.png 300w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/06\/coins-1-1024x683.png 1024w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/06\/coins-1-768x512.png 768w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/06\/coins-1-250x167.png 250w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/06\/coins-1-550x367.png 550w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/06\/coins-1-800x533.png 800w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/06\/coins-1-270x180.png 270w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/06\/coins-1-450x300.png 450w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/06\/coins-1-750x500.png 750w, https:\/\/ark7.com\/blog\/wp-content\/uploads\/2022\/06\/coins-1.png 1080w\" sizes=\"auto, (max-width: 1139px) 100vw, 1139px\" \/><\/p>\n<p class=\"\"><span style=\"font-weight: 400;\">Chances are, you\u2019ve heard of an IRA account before and you may even have one set up through your employer. But, contrary to popular belief, IRA is not just an umbrella term used to describe retirement accounts. There are different types of IRAs with different uses, purposes, and benefits. In this post, we\u2019ll go over the differences between two different types of IRA\u00a0investments: the self-directed IRA and a regular IRA.<\/span><\/p>\n<h2 class=\"\"><b>What is a regular IRA?<\/b><\/h2>\n<p class=\"\"><span style=\"font-weight: 400;\">An individual retirement account, or IRA, is a tax-deferred saving account with the goal of providing an income source for retirement. A broker or investment advisor typically oversees these accounts, which are limited to traditional investments, such as:<\/span><\/p>\n<ul class=\"\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stocks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bonds.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mutual funds.<\/span><\/li>\n<\/ul>\n<h2><b>Self-Directed IRA vs. Regular IRA<\/b><\/h2>\n<p class=\"\"><span style=\"font-weight: 400;\">Both types of IRA accounts are created with the intent of saving money for retirement. The difference comes in when it comes to managing the account. Self-directed IRA account investors are free to make most, if not some, of their investment decisions, including into alternative investments.\u00a0<\/span><\/p>\n<p class=\"\"><span style=\"font-weight: 400;\">Alternative investments that you can invest in with a self-directed IRA include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real estate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cryptocurrency.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gold and other precious metals.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water rights.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Undeveloped or raw land.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Livestock.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hedge funds.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Commodities.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Futures.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Private equity\/debt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Foreign currency.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">And much more.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">With such broad investment offerings, people who choose self-directed IRA accounts can diversify their investment portfolio, which in turn allows them to earn dividends faster with less risk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are a few things you can&#8217;t use a self-directed IRA to invest in, including collectibles such as:<\/span><\/p>\n<ul class=\"\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rare coins.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Art.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Antiques.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Alcohol.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jewelry.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baseball cards.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Memorabilia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stamps.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These limitations impact what kind of precious metal investments you can hold in your self-directed IRA. For example, while you can invest in the gold market with your self-directed IRA, you can\u2019t purchase collectible gold coins.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You also can&#8217;t use the funds in your self-directed IRA to do the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lend money.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sell property.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use it as collateral for a loan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Buy property for personal use.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Self-directed IRA accounts provide the owner with tax advantages. They also have contribution limits. For 2022, the maximum contribution is $6,000 for people under age 50 and $7,000 for those 50 and older.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The rules for regular IRA accounts and self-directed IRA accounts\u2014which are both governed by the Internal Revenue Service (IRS)\u2014are the same:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When you turn 72, you are required to start taking RMDs, or required minimum distributions from your account. If you turned 70.5 in 2019 or earlier, you have to take them from that point on.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any distributions you take before you turn 59.5 will be taxed and you could face an additional 10% penalty.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Distributions you take while retired will be taxed as regular income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There are no income limits required to qualify for either kind of IRA.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You could be eligible for a tax break on your contributions, depending on your circumstances. This is something you should discuss every year with your tax preparer.\u00a0<\/span><\/li>\n<\/ul>\n<h2 class=\"\"><b>Self-directed IRA accounts and real estate investments<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">As we mentioned above,\u00a0real estate\u00a0is a very popular investment choice among self-directed IRA investors. For example, you can use the money in your IRA to purchase foreclosed properties that will be held in your account custodian\u2019s name. The restrictions come into play in terms of prohibiting you from actually living at the property.<\/span><\/p>\n<h2><b>How to set up a self-directed IRA<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Although you do have more control over a self-directed IRA account, you don\u2019t manage it completely alone. Typically, people use a third-party service or platform to help them manage their IRA investments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to open a self-directed IRA account, take the following steps:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Find a platform or a smaller, local trustee that can help you manage the account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose the investments you want to make.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make your investments or ask the account custodian to carry out your transaction.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Different types of IRA investments will work best for different people. If you\u2019re considering which one to invest in, take time to do ample research into the requirements, contribution limits, benefits, tax breaks, etc., so you can make the most informed decision and propel yourself toward a comfortable retirement.<\/span><\/p>\n<h2><b>Final thoughts<\/b><\/h2>\n<p class=\"\"><span style=\"font-weight: 400;\">Both the self-directed and regular IRAs are tools to save for retirement. However, there are several differences in how they work. Regular IRAs are managed by brokers and are limited to traditional assets; self-directed IRAs are invested by the account owner and typically offer portfolio diversification into alternative assets. They both have contribution limits and regulations as determined by the IRS.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Chances are, you\u2019ve heard of an IRA account before and you may even have one set up through your employer. But, contrary to popular belief, IRA is not just an umbrella term used to describe retirement accounts. There are different types of IRAs with different uses, purposes, and benefits. In this post, we\u2019ll go over &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/ark7.com\/blog\/learn\/in-depth\/401k-and-iras\/self-directed-ira-vs-regular-ira\/\"> <span class=\"screen-reader-text\">Self-Directed IRA vs. Regular IRA<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":1,"featured_media":1555,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[112],"tags":[126,124,125,127],"class_list":["post-1550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-401k-and-iras","tag-regular-ira","tag-self-directed-ira","tag-traditional-ira","tag-traditional-ira-rules"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - 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