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The Self-Directed IRA

Enjoy checkbook control of your retirement savings with a Self-Directed IRA. Invest with speed and confidence in the assets that you want, not a predetermined menu of mutual funds. Secure your retirement with a Self-Directed IRA from Rocket Dollar.

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What is a Self-Directed IRA?

You're probably familiar with Traditional IRAs (Individual Retirement Accounts)—the tax-deferred savings accounts with no income limits. So what makes Self-Directed IRAs different? Well, the only difference (with few exceptions) is what you can invest in.

While traditional and Roth IRAs do not allow those investments, Self-Directed IRAs are broader and do not have these same restrictions. Although they remain less common, they are not a recent phenomenon.

Investors can use Self-Directed IRAs to save for retirement in a tax-deferred account and diversify their assets by investing in nontraditional assets such as startups, real estate, precious metals, cryptocurrencies, commodities, and private placements. All of the assets in the account, whether they are investments in a new business or a new real estate deal, are administered by a trustee or custodian.

The only difference between a traditional or Roth IRA and a Self-Directed IRA is the types of assets you are allowed to hold in them. Traditional and Roth IRAs have tighter restrictions and require that investors stick to stocks, bonds, mutual funds, and exchange-traded funds (ETFs), giving high-net-worth individuals fewer choices. However, many millions of people use traditional IRAs as a way to continue a retirement investment strategy that started with a corporate 401(k).

For many people, this can be a worthwhile strategy to build a good retirement savings asset base. Once your assets have grown to a point where it makes sense to diversify beyond traditional options offered by large financial institutions such as Fidelity, Charles Schwab, or Vanguard, using a Self-Directed IRA can be an excellent strategy to supplement existing investments.

Invest with control

Diversify your retirement portfolio for as little as $15 per month.

Start Investing
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Fast Transactions

Investing is as easy as writing a check. No more waiting for custodian approval.

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Investment Options

No preset menu of investments. Invest in anything allowed by the IRS.

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Transparent Pricing

No asset or transaction fees. Our pricing is simple. $360 registration fee and $15/month.

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Tax Advantages

Enjoy deferred taxes, or no taxes, on all gains inside your Rocket Dollar account.

All-you-can-invest retirement accounts

What assets are allowed in a Rocket Dollar Self-Directed account?

How it works

We take security seriously

Online security is no joke, and we take the trust our customers and partners put in us seriously. We are a SOC-2 certified company, and continuously update our systems to comply with best practices.

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Benefits and pricing

Transparent, straightforward monthly pricing.

Core

$15/mo.

$360 one-time setup fee

The essentials you need to get started

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  • No minimum opening deposit
  • Checkbook Control
  • An LLC to hold investments
  • Online document storage
  • Email support
  • No transfer or rollover fees

Gold

$30/mo.

$600 one-time setup fee

All the essentials plus premium service

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  • All Core features
  • Expedited service and transfers
  • Four free yearly wire transfers
  • Physical Rocket Dollar Account Debit Card
  • Custom-named LLC
  • Priority support
  • Tax-filing for 1099-R and Form 5500
  • Roth IRA conversion assistance

Ready to take control?

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Create an account entirely online in under 10 minutes

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Rollover, transfer, or contribute funds to your account

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Invest with a check, debit card, or wire

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