A Self-Directed IRA – Could It Be Right for You?

August 5, 2016 | Investing | By: The Goodhart Group

What is a self-directed IRA? The Goodhart Group is pleased to welcome guest author Mary Denby of MHD Builds to tell us more about this option and how you can invest in real estate for your retirement. Mary is a Goodhart Group client and local real estate investor. We are proudly listing one of her current projects, the spectacular 307 W. Walnut Street in lovely Rosemont.


Any real estate purchase is an investment. Some investments are the homes we live in day-to-day, while others are homes that we rent or resell. I’ve even heard of a few investors that invest in homes they keep vacant just to play the market. Regardless, the purpose of investing is growing your money.

When I got my first job, I was really excited by the idea that I was going to start investing money into my 401k; I couldn’t wait to watch the money grow. I grew up squirreling away my money as a kid and finally wanted to see the miracle of compound interest in action now that I was an adult. Well, that was nearly 20 years ago and I’m sad to report that I still have roughly the same amount of money that I put into the plan. The interest has yet to materialize. This investment strategy clearly did not work out!

What IS a Self-Directed IRA?

Fast forward to 2014. That’s the year I started my business as a real estate investor after working as an architect and a residential construction project manager. About that time, I learned of the self-directed IRA. Unlike the typical IRA, a self-directed IRA allows you to invest your retirement money in a wide range of things not related to the stock market, including real estate. You can have more control over your money’s growth and just like a traditional IRA, the additional earnings/interest are tax free.

One of the easiest ways to use funds in your self-directed IRA is to invest with my company or another experienced real estate investor! We offer guaranteed returns that are going to crush the returns that your traditional IRA or 401k are providing.

Ready to take an even larger leap?

Purchase an investment property through your IRA! There are plenty of rules and requirements, but it’s well worth the time and effort. I purchased a property in 2015 with my IRA and found that within 12 months, my investment had already returned a 16% profit! Results will vary with each property and each strategy, but it may be well worth your effort to explore a self-directed IRA.

Want to learn more?

Here are a few good pieces to read if you’re considering a self-directed IRA:

Short and simple information on self-directed IRA investing

Self-directed IRA FAQ page

New York Times piece regarding self-directed IRAs

For more information on self-directed IRAs or to learn more about investing with MDH Builds, please contact Mary at 703-910-1346 or mary@mhdbuilds.com.
Thank you, Mary! If we can help you with any of your real estate needs – investments or otherwise, please contact us. We are always happy to discuss your best options in today’s market.


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