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- Tax-Advantaged Income – Unlike your personal income, for which you pay taxes every year, retirement income may be tax-deferred or tax-free depending on your account type. With pre-tax plans like Traditional IRAs, you may exclude your contributions (deposits into your IRA) from your income for tax purposes. Taxes would only come due on those funds when you distribute (withdraw) them, ideally when you’ve reached retirement age and you’re in a lower tax bracket. If you have a Roth IRA, you’ll pay normal taxes on your contributions, but qualified distributions can be 100 percent tax-free.
- You’re In Control – Even though your retirement plan will technically own the land asset, you still pull the strings. You can review potential investments, negotiate terms and collect payments on behalf of your IRA (although any retirement income must always return to the IRA).
- Debt Leverage – If your account balance is too low to fund a transaction in full, you can pursue a non-recourse or hard money loan to finance some or all of the real estate acquisition. “Non-recourse” means your personal funds or assets may not be offered as collateral. The investment real estate itself would instead secure the note, which allows you to enhance your IRA’s purchasing power without risking your individual holdings.
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How to Invest in Land With a Self-Directed Retirement Account
Written by Land and Luxury on . Posted in Uncategorized
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