mountain west ira

What Assets are Allowable?

Maximize Your Allowable Assets with a Self-Directed IRA

To expand the types of assets you can hold within your IRA, it is important to have a retirement plan that gives you greater control over the assets you choose.

Mountain West IRA administers self-directed IRAs that provide the freedom to choose from a wide range of alternative assets, provided they are permitted under applicable IRS rules and regulations.

A Self-Directed IRA Gives You the Freedom to Choose

It’s a common misconception among Americans that the only IRA investments allowed in retirement accounts are stocks, bonds, CDs, and mutual funds.

The truth is that broader allowable IRA investments have been available to the public since 1975, the year contributions could first be made to IRAs. Why the confusion?

The retirement industry has traditionally been dominated by large, transaction-driven custodians that focus on a limited range of conventional assets.

While traditional assets may be appropriate for some retirement accounts, a self-directed IRA provides greater flexibility and freedom by allowing account owners to choose from a broader range of alternative assets.

allowable Assets through a Mountain West Self-Directed IRA

Real Estate

Real estate is a popular alternative asset for self-directed IRAs, giving account owners the flexibility to include a variety of property types within their retirement accounts.Allowable real estate may include single-family and multi-unit homes, apartment buildings, rental properties, tax deeds and liens, and improved or unimproved land.

Promissory Note

A note is a financial agreement used to extend credit from one or more individuals or entities to another individual or entity.

‍Notes and Mortgages may be secured or unsecured. Secured notes may be backed by assets such as real estate through a mortgage or deed of trust, or by other collateral such as a vehicle.

Private Placements

Self-directed IRAs allow you to diversify your retirement portfolio by holding certain non-traditional assets beyond those commonly available with traditional retirement accounts.

Allowable assets may include interests in LLCs, partnerships and joint ventures, as well as privately held stock.

Precious Metals

A self-directed IRA may hold certain precious metals that meet applicable IRS requirements.

Allowable precious metals may include certain gold, silver, platinum, and palladium coins, bars, and bullion. Specific eligibility requirements apply.

While your Mountain West self-directed IRA offers flexibility, it's important to be aware of certain investment restrictions. For details on what your IRA cannot engage in, please visit our Prohibited Transactions page.

Mountain West IRA does not offer investment, tax, financial, or legal advice to clients. Individuals who believe they need advice should consult with the appropriate professional(s) licensed in that area.