Self Direct An Ira Investment By Self-directing

By: Ricky Spears
Your financial future depends on you. It doesn't rely on others. At least that is not what you should hope for. The new control factor in Retirement Investments is an investment that is Self-Directed. Either Self-Directed IRA's or Self-Directed 401(k) Retirement Plans.

Many people are putting retirement dollars into real property because you always have the asset itself as a security. Many investors are tired of the low returns or even losses that they have experienced in their retirement accounts that were limited to stocks, bonds or mutual funds. Most of our clients look to EQlibrium as a way of not only earning significantly higher rates of return but actually recouping losses they have experienced over the last several years.
Some investment options include stocks and real estate and mortgages and franchises and partnerships and private equity and tax liens. Self-directed IRA's improve the account owners ability to diversify an IRA portfolio.

If you have a Self-Directed 401(k) or other retirement plan at work, you may fully or partially deduct your contribution from your taxable income if your adjusted gross income qualifies. If you have no retirement plan at work and you are under 70-1/2 years of age you can invest in a deductible IRA and deduct the entire amount from your taxes.

If you have no retirement plan at work and you're under 70-1/2 years of age, you can invest in a deductible IRA and deduct the entire amount from your taxes.

To see if you qualify for a deductible IRA, which lets you deduct all or part of your contributions from your taxable income, use the following guidelines:

If you're not covered by a retirement plan, but your spouse is, you may qualify for a full or partial deduction if you file jointly and your AGI is below $166,000. (The same rule applies if you're a non-working spouse of someone covered by a retirement plan at work.)

If you have a 401(k) or other retirement plan at work, you may fully or partially deduct your contribution only if your adjusted gross income (AGI) qualifies. Your AGI normally cannot exceed about $62,000 if you're single or head of household, (always confirm amounts for each new calendar year) or $103,000 if you're married and filing jointly.

If you make too much to qualify for a Roth IRA and are not eligible for a deductible IRA, a nondeductible IRA is an option. Your contribution will not be deductible, but at least your savings will grow tax-deferred. These type of investments are safe and secure and thats what a Self-Directed investment is.

If you're not eligible to contribute to a deductible IRA, you may be eligible to contribute to a Roth IRA if your AGI is below $114,000 if you're single or $166,000 if you're married filing jointly.

Control your financial future using Self-Directed Retirement Plans. Its a good idea for you to be in charge of what and how your money is being invested.