The 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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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 $56,000 annually (more if you're 50 or older), invest in any asset allowed by the IRS, and finally, not pay an arm and a leg in fees.

Benefits at a glance

High Contributions

You can contribute up to $55k 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 all of the tax protections of a 401(k), whether you have a traditional or ROTH account.

High Contributions

Solo 401(k) account holders may be able to contribute up to $56,000 ($62,000 if 50 or older). $19,000 ($25,000 if 50 or older) can be a straight deferral of income, and the remaining $37,000 comes from profit sharing.

Investment Opportunity

Investing is easy with a Self Directed IRA from Rocket Dollar. Use your retirement funds to pursue an almost unlimited number of investment options. No longer limited to a predetermined menu of mutual funds, you are able to pursue opportunities in:

Real Estate (Rental Properties, Commercial Funds, etc)
Hard Money Lending
Venture Capital
Startups and Private Companies
Stocks and Bonds

Loan Capability

With a Solo 401(k), you are able to instantly make a loan to yourself for half the value of your plan, up to $50,000. Best of all, this money can be used for anything. Whether you’d like to make an investment outside of your 401(k), bridge a dip in income, or anything else you need cash for, a loan from your Solo 401(k) is a quick, guaranteed line of credit.

Enjoy Tax-Advantaged Growth

Your investments will grow tax-advantaged until you retire (or forever if you have a ROTH). Combine the power of all the investment options available to you and the tax protections of a retirement account makes for a powerful combination.

Frequently Asked Questions

Am I eligible for the Self-Directed Solo 401(k)? Is it the right product for me?

What are the fees and pricing for a Rocket Dollar Self-Directed Solo 401(k) account?

How do I open a Self-Directed Solo 401(k) account with Rocket Dollar? What is the step-by-step process?

How quickly can I open and fund a Self-Directed Solo 401(k) account with Rocket Dollar?

Can I take out a loan from my Self-Directed Solo 401(k)?

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The Self-Directed Solo 401(k)

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