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Self-Directed Solo 401(k)

For individuals with self-employment income, the Self-Directed Solo 401(k) is the premier retirement account available today. Secure your retirement with unlimited investment options, high contribution limits, and ultimate flexibility.

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Check out the 2020 Rocket Dollar Solo 401(k) webinar to learn more about this account and how to use it this year.

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Notice: IRS rules have changed to allow new Solo 401(k) plan starter employee contributions up until your tax filing date for 2020. Employer contributions, which come from your business as a profit share or match, can only be made for 2021 if you open a new account.

What is a Self-Directed Solo 401(k)?

For those looking to get the most out of their retirement savings, the Solo 401(k) is the best option currently available. Those who qualify for the Solo 401(k) can contribute up to $57,000 annually (more if you're 50 or older) and invest in any asset allowed by the IRS, all while not paying an arm and a leg in fees.

Invest with control

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

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High Contributions

You can contribute up to $57k to your Solo, and take huge tax deductions.

Investment Options

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

Loan Capability

Borrow up to $50k from your Solo 401(k), and pay yourself back over time.

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?

All-you-can-invest retirement accounts

  • Real estate

    Make investments in single-family, multi-family, syndicates, and more!

  • Private Equity

    [Make a loan using your IRA, and payments go right back into the same account.]

  • Cryptocurrency

    All the upside, none of the tax headaches!

  • Small Businesses & Startups

    Help a small business get off the ground, and enjoy no taxes when it takes off!

  • Conventional loan

    [Make a loan using your IRA, and payments go right back into the same account.]

  • Peer-to-peer lending

    Make a loan using your IRA, and payments go right back into the same account.

  • Equity Crowdfunding

    Use your retirement account to invest in the next big company, while it's still in the garage stage.

  • Much more

    [precious metals, etc.]

How it works

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Choose the right account for you and sign up in under 10 minutes—completely online.

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Fund your account in just a few short days.

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From there, diversify. Making investments is as simple as writing a check—track it all on your dashboard.

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 pricing on a subscription basis.

Core

$15/mo.

$360 one-time setup fee

The essentials you need to start self-directing

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  • No minimum opening deposit
  • Online document storage
  • Email support

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
  • Priority support
  • Tax-filing for 1099-R and Form 5500
  • Roth IRA conversion assistance

Ready to take control?

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Ready to take control?

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Discover more about

Self-Directed Solo 401(k)
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Rocket Your Dollar Ep. 34: Common Self-Directed Misconceptions

Apr 1, 2020 by The Rocket Your Dollar Podcast

Bryan Ellis, CEO of SelfDirected.org, talks about becoming a ninja-level investor and the overwhelming tax benefits...

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