Everyday MBA Mastering the Self-Directed IRA
Aug 2, 2025
Adam Bergman, founder of IRA Financial and self-directed retirement plan expert, shares insights from his book on mastering self-directed IRAs. He discusses the unique advantages of these accounts, highlighting the potential to invest in alternative assets like real estate and cryptocurrencies. Adam emphasizes tax benefits and strategies for younger investors, advocating for diversification and long-term planning. He also dives into the power of Roth IRAs to build wealth early, encouraging listeners to engage actively in their investment choices.
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Tax Code and Self-Directed IRAs
- The IRS tax code does not specifically mention 'self-directed IRAs' because all IRAs can invest in any asset except life insurance, collectibles, and personal benefits.
- This means IRAs inherently allow investment in alternative assets beyond stocks and mutual funds.
Benefits of Alternative Investments
- Self-directed IRAs enable investment freedom and diversification in assets like real estate, crypto, and private equity.
- Investing what you know and trust can hedge against inflation and market volatility.
Understanding Alternative Assets
- Alternative assets are any non-publicly traded investments like private businesses, hard money loans, and real estate.
- Younger investors now show increased comfort investing in crypto and private assets, reflecting changing attitudes.
