REI Wealth Issue #59 Featuring Blue Ocean Capital | Page 105

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When most people hear the term Individual Retirement Account , or IRA , thoughts of mutual funds , bonds , and ticker symbols typically flood the imagination . Contrary to popular belief , those types of investments are not the only assets that can experience the tax benefits of an IRA .

Whether you have a Traditional IRA ( investments grow tax­deferred ) or a Roth IRA ( investments grow entirely tax­free ), both can be invested into a nearly unlimited variety of assets , including real estate .
Conventional IRA providers , such as Fidelity or Charles Schwab , certainly have their place in the Individual Retirement Account market . No one here is arguing that stocks , bonds , and mutual funds don ’ t have their place in a retirement portfolio . To the inexperienced investor , having a portfolio managed by an advisor may be the risk­averse avenue they should take .
Frankly , we ’ re not inexperienced investors . We are , oftentimes , experts in our field and [ up until this point ] we just didn ’ t realize that our retirement funds could be invested in assets that we already know and with strategies we ’ ve already mastered .
To invest in real estate using an IRA , a Self­Directed IRA is needed . A NuView SDIRA is no different than an IRA offered by the Fidelitys and Charles Schwabs of the world ( in terms of the rules governing them ), but where the difference lies is in the custodian of the account . Those previously mentioned custodians have their own investments that they are trying to sell the investor to make commissions , but an SDIRA custodian lets their investors choose their own investments .
Whether it ’ s fix­and­flips , rental properties , real estate options , or passively investing through secured promissory notes , each of these types of real estate investments can be supercharged with a NuView Self­ Directed IRA . Imagine NOT having to pay capital gains tax on your investment returns . Imagine being able to RE­DEPLOY that capital towards your next investment opportunity . Imagine the power of compounding your gains WITHOUT having to pay Uncle Sam each year .
The year­over­year returns can very likely eclipse what you could expect with the same deal outside of a tax­advantaged IRA .
You might be thinking that a 1031 Exchange can get rid of capital gains tax as well , but frankly , that is incorrect .
Yes , a 1031 Exchange can defer capital gains tax and may put you in a position to only pay long­term capital gains tax rather than short­term , but what if I told you that there is a way to completely ELIMINATE capital gains tax altogether ?
No 45­day rule , no 180­day rule , no “ like­kind ” provisions , and most importantly , no day of reckoning where you ’ ll still have to cut a check to Uncle Sam , paying capital gains tax and ultimately suffocating your growth potential .
Keep in mind that the investor is now the IRA entity , not the person themselves . All deposits , closing costs , and expenses are paid from the Self­Directed IRA . Similarly , all revenue and appreciation flow into the Self­Directed IRA .

Whether it ’ s fix­andflips , rental properties , real estate options , or passively investing through secured promissory notes , each of these types of real estate investments can be supercharged with a NuView Self­ Directed IRA .

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