Deed of Trust

Question: I have about $750k in a 401k I would like to move over to a self-directed ira. NOT a mutual fund company.?

I would like to be able to buy LLC's, REIT's and first deeds of trust, as well as stocks and mutual funds from just ONE self-directed ira.
I've done quite well for myself so I don't want an investment advisor or a lot of hand-holding. I WOULD like a high interest on the cash while it sits between investments for a few days, and no or very low fees. Please, please be specific about the companies you recommend. Vague advice is never appreciated.

Answer: I have my money with Equity Trust Company (www.trustetc.com) who have been in the self-directed IRA business for a LONG time. The cash sits and earns 0.8%, and the fees are listed on their website - no guessing games.

For that amount of money they will assign someone who you can call directly with questions, but you won't be force-fed any handholding.

Consider that in addition to the LLCs, REITs, etc., that you mention, you can also purchase ground leases, raw land, commercial property, residential property, etc. with your SDIRA.

I'm not sure why the backlash from a previous answerer commenting on this being silly. It is GENIUS and it's too bad it is so misunderstood. REITs and LLCs are a small sliver of what you can deal with and likely not the most profitable.

I think the notes/deeds of trust financed through SDIRAs is a POWERFUL option b/c public financing rates have risen so high, with too many hoops to jump through and so many junk fees. A private investor can loan this money tax-deferred (or tax-free!) at a competitive rate and still make good money - plus if you structure the note(s) properly you can broker that paper from within your IRA and go do it all over again!

The sky's the limit. Good luck!

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