Yes! You can invest in real estate with your Roth IRA by converting it into a Self-Directed IRA (SDIRA). An SDIRA allows you to invest in a wide range of assets, including real estate, while maintaining the tax advantages of a Roth IRA. To do this, you’ll need to open an SDIRA with a custodian that permits real estate investments. Keep in mind that IRS rules prohibit self-dealing, meaning you can’t personally use or benefit from the property. Always consult a tax or financial advisor to ensure compliance.

Yes, you can invest in real estate with your 401(k) by rolling it over into a Self-Directed 401(k) or Self-Directed IRA (SDIRA). A Self-Directed Solo 401(k) (for self-employed individuals) or an SDIRA allows you to invest in real estate while maintaining tax advantages. You’ll need a custodian that supports alternative investments, and IRS rules prohibit personal use of the property. Be sure to consult a financial advisor to ensure compliance with IRS regulations.

Setting up a Solo 401(k) or SDIRA is simple:

1. Find an Independent Custodian – Choose a provider that allows real estate investments.

2. Set Up Your Account – Complete the necessary paperwork to establish your SDIRA or Solo 401(k).

3. Fund Your Account – Transfer or roll over funds from an existing retirement account.

4. Choose Your Investment – Select real estate opportunities that fit your strategy.

5. Start Investing – Work with your custodian to execute transactions and grow your retirement wealth.

Make sure to follow IRS rules and consult a financial professional for guidance. Please see our article on How to Invest Retirement Money in Real Estate for more info.