Self Directed Investor Talk: Alternative Asset Investing Through Self-directed Ira's & Solo 401k's

A Trendy Housing Market Indicator You Should IGNORE? There's a very trendy housing market indicator frequently cited by the press, yet it's only accurate on its own an incredibly small portion of the time.  Don't get faked out!  Learn more now: Full Podcast And Resources Here: https://SelfDirected.org/256 See acast.com/privacy for privacy and opt-out information.

AirBnb or VRBO in your Self-Directed IRA?  Warning! It was inevitable!  AirBnB & VRBO have become so popular that people are combining real estate owned in their self-directed IRA's with the AirBnb/VRBO way of property rentals, but... there's a HUGE "gotchya".  Listen in now to hear more about the "catch" that could bite you: Full Episode and Resources here: https://SelfDirected.org/256 See acast.com/privacy for privacy and opt-out information.

"I've Found A Great Real Estate Deal... But My IRA Only Has Enough For The Down Payments.  Can My IRA Borrow The Rest?"   I don't know about you, but to me, the notion of introducing debt into an IRA or 401(k) seems... scary.  Nevertheless, it is possible and in some cases, can even make a lot of sense.  But it opens up another entire can of worms, so learn the ins and outs here: Here's the full podcast (and all resources): https://SelfDirected.org/255 See acast.com/privacy for privacy and opt-out information.

What Kind Of Assets Can You Buy In Your IRA? (Part 2) Yes, your Self-Directed IRA is very flexible... but exactly what kinds of assets can you ACTUALLY buy using your retirement money... or are there any limits at all?  Hint:  There are limits, but not many - but ignoring them can hurt very, very badly: Here's the podcast (and all resources): https://SelfDirected.org/255 See acast.com/privacy for privacy and opt-out information.

What Kind Of Assets Can You Buy In Your IRA? (Part 1) Yes, your Self-Directed IRA is very flexible... but exactly what kinds of assets can you ACTUALLY buy using your retirement money... or are there any limits at all?  Hint:  There are limits, but not many - but ignoring them can hurt very, very badly... Full Podcast and Resources Here: https://SelfDirected.org/255 See acast.com/privacy for privacy and opt-out information.

If You're Evaluating a Real Estate Market, Here Are 3 Important Questions To Ask About JOBS In The Area...   Not all jobs are created equally, and some types of jobs have a much higher predictive value than others.  Take a moment now to learn 3 important questions you should ask... Full Podcast and Resources here: https://SelfDirected.org/255 See acast.com/privacy for privacy and opt-out information.

Is The Dallas Real Estate Market Headed For A Crash? One SDI listener is extremely interested in investing in turnkey rental property in Dallas, Texas... but he can't shake the memory of the real estate crash in Dallas in the '80's.  Is today's market like that one in any important ways?   The Podcast (And Resources) Are Here: https://SelfDirected.org/255 See acast.com/privacy for privacy and opt-out information.

Prohibited Transactions are Always Taxable.  But Taxable Transactions Aren't Always Prohibited... Many Self-Directed IRA owners don't realize that it's possible to engage in transactions in an IRA that establish a present-day tax liability.  Those who do know that frequently confuse taxable transactions in an IRA with the more sinister risk, the prohibited transaction.  Prohibited transactions are always taxable.  But taxable transactions aren't always prohibited.  Here's the difference: This episode (and all supporting materials): https://SelfDirected.org/254 See acast.com/privacy for privacy and opt-out information.

Is There A Custodian Involved In Your Solo 401(k)?  DANGER, Will Robinson! (Part 1 of 2) One thing that is undeniably true about Self-Directed (Solo) 401k's versus Self-Directed IRA's is that 401k's are far more resilient against prohibited transactions than their IRA counterparts.  But as it turns out, that's only true if your Solo 401k was established in the correct way.  If not, then your Solo 401k is no safer against PT's than any run-of-the-mill IRA.  Learn why right now: This Episode - and all supporting content - available at: https://SelfDirected.org/254 See acast.com/privacy for privacy and opt-out information.

There's a huge population of reliable renters likely to be flush with cash from a recent home sale who want to stay in your rental property - if you meet their requirements - for life!  If you want to know where and what these folks will be renting over the next decade or more, listen in right now: This episode - and all supporting content - located at: https://SelfDirected.org/254 See acast.com/privacy for privacy and opt-out information.

Should You Use an IRA Company to Set Up Your Solo 401(k)? https://SelfDirected.org/254d There's a hidden distinction among solo 401(k) plans from one provider to the next that's big, bad and disconcerting if you discover it the wrong way.  I'm Bryan Ellis.  I'll tell you what it is right now in Episode #254 (part D) of Self Directed Investor Talk. https://SelfDirected.org/ira https://SelfDirected.org/investor-talk http://www.Facebook.com/sditalk http://www.Twitter.com/sditalk   See acast.com/privacy for privacy and opt-out information.

3 New Pieces of data about the Trump Economy are eye-openers… absolutely shocking… and frankly, are each great indicators about what CAN happen in YOUR Self-Directed IRA, Solo 401k or any other investment portfolio if you’re smart enough to play the hand you’re dealt.  Learn about those 3 earth-shaking pieces of data, and how they play in your favor RIGHT NOW: Full Notes and Resources available at: https://SelfDirected.org/254 See acast.com/privacy for privacy and opt-out information.

The Big Idea Prohibited transactions are a terrible, terrible thing for your IRA, and they are ALWAYS taxable, with penalties and interest, too.  Yes, all prohibited transactions are taxable.  But not all taxable transactions in your IRA are prohibited... Points To Ponder Prohibited transactions are prohibited because they benefit someone other than the IRA Not all transactions that are taxable to your IRA are prohibited Zamir from Boston proposes a transaction that could be both... or neither... we take a look Resources Full Episode Transcript: Episode #253 of Self Directed Investor Talk Deep dive in prohibited transactions... and FREE EBOOK! The best self-directed IRA lawyer on the planet:  Tim Berry See acast.com/privacy for privacy and opt-out information.

The Big Idea There's nothing sexy about Birmingham, Alabama... unless very high cash flow from very inexpensive properties is sexy.  In that case... Birmingham is smoking hot! Points To Ponder Turnkey rental properties are homes you buy as rental properties, but there's already a tenant and property manager in place to make the whole investment "hands-off" for you Birmingham, Alabama is a strong alternative to consider.  Cash flow ROI is very strong. Example:  1,000 SF home, built in 1920's but fully renovated, 3 bedrooms, 1 bath, kitchen, livingroom, etc.  Fully renovated:  $55,000 Net ROI easily in 8-13% range To learn more about this market, call the SDI 2-minute free recorded info line at (773) TURNKEY. Resources Episode #252 of Self Directed Investor Talk available here Free Webinar that shows how many SDI Talk listeners are receiving very large credit lines at 0% interest for their real estate deals or businesses.  Check it out here.   See acast.com/privacy for privacy and opt-out information.

The Big Idea The Fiduciary Rule claims to benefit the "best interests" of retirement account investors, but will only serve to keep middle-income Americans away from alternative assets and from high-quality financial advice.  Trump has delayed implementation of this new rule and may end it entirely... Bravo! Points To Ponder In April 2016, the Department of Labor proposed new rules to expand the definition of "fiduciary" to anyone connected with providing guidance to retirement account investors The "suitability" standard had been in place - effectively - for many years, which required that advisors only make investment recommendations that are suitable to investors "Fiduciary" status raises the bar for advice from "suitability" to "best interests"... with stated motivation of eliminating "conflicts of interest" No evidence that "suitability" was an insufficient standard New "best interests" stndard will absolutely limit access to alternative investments and financial advice to all but the upper tier of reti

The Big Idea An old IRS Revenue Ruling makes Solo 401k's set up by banks, brokerages and self directed IRA custodians just as risky as IRA's in the event of a prohibited transaction... and it does not need to be that way.  Pay close attention for the problem and the solution. Points To Ponder 401(k) plans (including Solo 401k's) can be set up as "Custodial" or "Trust" plans "Custodial" plans are usually those set up by financial companies, including Self Directed IRA custodians "Trust" plans are usually those where the employer/business owner directly manages the 401k IRS Revenue Ruling 71-153, in effect, says that Custodial-type 401k plans are not able to be "fixed" if a prohibited transaction occurs, but that Trust-type plans can be corrected This means that Custodial 401k plans are just as susceptible to the horrible risk of prohibited transactions as IRA's... and the risk there is catastrophically significant If you have a Solo 401k plan, your action items are: Determine whether your plan is Custodia

The Big Idea Turnkey rental property investing is inherently simple, eliminating 95% of the effort and time involved in rental property investing.  But for those seeking a 100% hands-off experience - along with the benefit of a higher level of professional management - a brand new approach to turnkey investing could be even better than it was before. Points to Ponder Turnkey rental property investing eliminates 95% of the effort involved in rental property ownership, but for some, that's not enough "Buffer Fund" is an investment fund that invests in rental properties and is an alternative to direct 100% ownership of individual properties Not the same as a REIT (Real Estate Investment Trust) "Negatives" of investing in Buffer Fund rather than directly into real estate: Loss of control Potentially decreased liquidity Loss of use of 1031 tax defferred exchange "Positives" of investing in a buffer fund rather than directly into real estate: All involvement and time requirements are eliminated Your legal

The Big Idea Treasury Secretary Steve Mnuchin has said he plans to privatize Fannie Mae and Freddie Mac.  But will he really?  If he does, there's a great opportunity lurking... Points To Ponder Treasury Secretary Steve Mnuchin said very unambiguously that privatization of Fannie Mae and Freddie Mac are high priorities and can be accomplished quickly That was welcomed news to current shareholders, who have been the victim of the Fannie/Freddie bailout in 2008 If privatization of Fannie Mae and Freddie Mac happen, the market for 30-year fixed rate mortgages will likely disappear The reduction of funding will likely cause a temporary diversion of the price of real estate and it's value, thus creating a strong buying opportunity for cash buyers Seller-financing-oriented investors stand to fare very well... but Dodd Frank must first be repealed, which is also a Trump objective Resources & Transcript Full Transcript of Episode #248 (this episode) is available here Free Webinar that shows how many SDI Talk

The Big Idea Not all solo 401(k)'s are the same... and the differences can be very profound. Points To Ponder A 401(k) is an employee-sponsored salary deferral and profit sharing plan.  It can be both, one or neither of "Solo" or "Self-Directed" Solo 401(k)'s offered by stock brokerages tend to exclude all assets other than stocks, bonds and mutual funds. The law doesn't require a 3rd party custodian/trustee for your 401k, but some providers do Your plan will be more flexible as a trustee-directed plan than as an individual-directed plan... as long as you're the trustee! The expertise and availability of the provider of the solo 401(k) plan is the most important distinction Bryan's Recommendation:  Talk with Tim Berry for a Solo 401(k) that meets all requirements Resources Episode #247 of Self-Directed Investor Talk Free Webinar that shows how many SDI Talk listeners are receiving very large credit lines at 0% interest for their real estate deals or businesses.  Check it out here. See acast.com/privac

The Big Idea There are two fundamental philosophies when it comes to interpreting law as a judge, and one of them is absolutely better for anyone who makes their own investment decisions.  How does Neil Gorsuch, President Trump's nominee for the US Supreme Court, stack up? Points To Ponder President Trump just nominated Judge Neil Gorsuch to serve as the next US Supreme Court It matters greatly because judges who ascribe to a particular judicial philosophy are very bad for investors and businesses The two philosophies are Originalist and Acitivist Originalism says:  The plain words of the law are the guide and absolute limits of my ruling in any case.  It’s the job of CONGRESS to create or change laws, not the job of judges to do so Activism says:  The law is a guide I’ll consider.  But if necessary, I’ll subordinate the law to other factors, including my own political beliefs, the legal system in other jurisdictions, social preferences, etc so that I can arrive at a decision that I believe to be suitable.