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With both traditional and Roth IRAs, you can opt to have the account managed that is, the custodian makes most of the investment decisions or self-directed. A self-directed IRA is an IRA in which you choose the funding methods and instruments and it allows for expanded investment options. Because self-directed IRAs allow for a variety of investment options, they can provide greater diversification than standard IRAs.
For example, you can invest in real estate, either through a real estate investment trust REIT or in actual physical property. Other options include a closely held business , precious metals , and even private mortgages. If you are going the non-self-directed IRA route, a number of different financial institutions are available to serve as custodians, once you've established your account with them.
Those that do offer broker-type services often charge higher fees than brokerages. An insurance company often sells flexible premium annuities as its basic IRA. They can be either fixed or variable and offer account value protection, death benefit options, and automatic account management.
However, IRAs are already tax-advantaged, so the tax advantages of annuities are not necessary within an IRA and you may pay hefty fees for having one. A mutual fund company allows you to invest in mutual funds or ETFs offered by the firm. A brokerage could be your IRA entity of choice, if you like the idea of investing in individual stocks or bonds, as well as mutual funds or ETFs.
A relatively new entity, Robo-advisors are online investment platforms that provide automated, algorithm-based portfolio management advice. Because these platforms are automated—meaning no human interaction is involved—costs, fees and other expenses that can eat into the IRA's rate of return are lower. If you decide to go the self-directed route, things can get more complex. There are three types of providers for self-directed IRAs: custodians, administrators , and facilitators.
Of the three, custodians alone are directly approved by the IRS and authorized to hold assets. Administrators and facilitators act as intermediaries between you and a partner custodian that actually holds the assets. When it comes to custodians for self-directed IRAs , all the aforementioned institutions theoretically could serve.
But if you're intrigued by any of the non-traditional investments open to self-directed IRAs, you need to be especially careful in your choice of custodian. You'll want a custodian that's aware of the types of holdings the IRS prohibits , even for self-directed IRAs, such as collectibles and alcoholic beverages.
For more on prohibited types of IRA investments, and other triggers for penalties or additional taxes, see this section of IRS Publication When its time to choose a custodian, these are the features to be aware of:. The greater the selection of investment options, the better. This applies to all types of investments, but especially to individual stocks and bonds as well as mutual funds and ETFs.
If you are a self-directed IRA investor, look for non-traditional investment opportunities including real estate or privately-held companies. Fees come in many shapes and sizes and include annual account maintenance fees, loads for mutual funds , and commissions charged for making trades. Just because one custodian charges a specific type of fee does not mean all do.
Maintenance fees, for example, are not a given. One important area, if you are considering mutual funds, is to look for a custodian that offers a variety of no-load mutual funds. Unless you're comfortable with a robo-advisor, the availability of knowledgeable specialists to answer your questions—online or by telephone—is very important. Nothing is more frustrating especially if you are managing a self-directed IRA than receiving incomplete or confusing answers to your questions.
Make sure the website is easy to use and that you can monitor your investments and make transactions efficiently. If you already have multiple IRA accounts, some experts advise that you consolidate them into a single account and custodian if possible. This means seeking a custodian that is knowledgeable about the rules regarding consolidation and understands which types of IRAs cannot be combined.
Watch out for custodians that restrict your investment options because of the nature of their charter. Do you prefer a traditional or Roth account? Or both? Are you happy investing in CDs, mutual funds, stocks, and bonds or do you yearn for the more adventurous options available with a self-directed IRA? Code of Federal Regulations. Internal Revenue Service.
Securities and Exchange Commission. For one, these types of investments can trigger potentially expensive long-term capital gains when sold, which can be avoided by investing in them via a Roth. On the other hand, lower-yield investments are not ideal to hold in a Roth IRA. Those types of funds would be better off in a traditional IRA or a taxable account, he added.
Some bonds, such as corporate bonds, have the potential to produce high yields. Most bonds, however, are considered lower-risk investments that provide modest returns. Annuities are complex investment tools that are best left out of a Roth IRA. These insurance contracts come with their own tax advantages, but those advantages are superseded by the tax rules of the Roth.
In addition, if you ever decide to move the money elsewhere, you might have to deal with surrender charges. One of the main reasons to keep a portion of your money in a savings account, money market account, or even a certificate of deposit CD is to maintain some liquidity, especially for emergencies. So holding one of these accounts in a Roth IRA or any other long-term tax-advantaged retirement account is somewhat pointless. In general, your retirement savings strategy should be to invest in a wide variety of assets.
That said, you can be calculating about how you invest for retirement, and use a variety of account types to make the most of your investments. A Roth IRA is just one option at your disposal. It can be a bank, credit union, brokerage firm, robo-advisor, or other investment company.
Next, fill out an application and provide a few personal details, such as your driver's license number, Social Security number, beneficiaries and bank routing number so that you can fund the account. Once funded, you can choose your investments. Contributions to a Roth IRA can be withdrawn at any time without taxes or penalties.
Actively Managed Funds. Long-term Capital Gains Taxes. Commodity Futures Trading Commission. Charles Schwab. Table of Contents Expand. Table of Contents. Roth IRA Advantages. The Bottom Line. Part of. Opening a Roth IRA. Making Contributions. Rollovers and Conversions. Taxes and Penalties. Roth IRA Investments. Tips and Strategies.
Start Early. Compounding has a snowball effect, especially when it's tax deferred or tax free. Don't Wait Until Tax Day. Think About Your Entire Portfolio.