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Investing is as easy as writing a check. No more waiting for custodian approval.
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.
Sign UpYou'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.
Investing is as easy as writing a check. No more waiting for custodian approval.
No preset menu of investments. Invest in anything allowed by the IRS.
No asset or transaction fees. Our pricing is simple. $360 registration fee and $15/month.
Enjoy deferred taxes, or no taxes, on all gains inside your Rocket Dollar account.
What assets are allowed in a Rocket Dollar Self-Directed account?
Make investments in single-family, multi-family, syndicates, and more!
Make a loan using your IRA, and payments go right back into the same account.
All the upside, none of the tax headaches!
Help a small business get off the ground, and enjoy no taxes when it takes off!
Make a loan using your IRA, and payments go right back into the same account.
Make a loan using your IRA, and payments go right back into the same account.
Use your retirement account to invest in the next big company, while it's still in the garage stage.
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.
Transparent, straightforward monthly pricing.
All the essentials plus premium service
Create an account entirely online in under 10 minutes
Rollover, transfer, or contribute funds to your account
Invest with a check, debit card, or wire
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Whether collecting rent checks from rental properties or investing in the next big company, a Self-Directed IRA allows you to quickly and easily invest in the things you know will provide you the retirement you envision.
Anyone with US taxable income or an old retirement account can start a Traditional IRA or Roth IRA.
To do new contributions to a new IRA, you must be younger than 70 and 1/2. Depending on your income and filing status, you're able to make a contribution to your IRA and the contribution may or may not be tax-deductible. If you have old IRA contributions, you can always open a new IRA and do a trustee to trustee transfer over to Rocket Dollar.
Your Rocket Dollar Self-Directed IRA account can be funded via current taxable income and rollover from old IRA plans or retirement accounts. You must be a paid customer to start the process.
Funding your Self-Directed IRA account can be accomplished in 3 different ways: Contribute to the Self-Directed IRA from your current taxable income, rollover your old employer 401(k) plan, or transfer an old IRA.
Yes. With the unique structure of a Rocket Dollar account, you can go into as many investments as you want with NO new investment fees.