4 ways to invest in real estate with a Roth IRA.

There are almost and endless amount of products you can invest in using a Roth IRA, or really any IRA for that matter. One investment that comes up a lot is Real Estate. What are the different ways you can use a retirement account such as a Roth IRA to invest in real estate?

The first way is to simply contribute to a Roth IRA as if it were a savings account. You can take your contributions out later when you choose to purchase the real estate that you want, while leaving any growth in the account for future opportunity or retirement.

There is also an exemption to withdrawing from your Roth IRA early which allows you to take money out for a down payment on a house.

Another way you can invest in real estate using a Roth IRA is to invest in REIT’s. Real estate investment trusts can be a great, exchange traded vehicle to invest in real estate. Some of these REIT’s invest in commercial real estate, residential, manufacturing, among others. You could also use an ETF focused on REIT’s to accomplish the same investing goals.

You could also choose to go the self directed IRA route and manage the process yourself. Though we do not focus on this at jazzWealth, you can certainly invest directly in real estate by being your own custodian of your Roth IRA.

Finally you could consider a combination of the above. Maybe you use half of your Roth IRA for a future home purchase, and half you leave for retirement. As your wealth manager we can spit your Roth IRA into different goals and invest according to those goals.

We’re an investing service that also helps you keep your dough straight. We’ll manage your retirement investments and, using NestEgg we can help you with every penny!

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4 thoughts on “4 ways to invest in real estate with a Roth IRA.”

  1. I use my Roth to buy REIT's. I enjoy the money without any of the hassles that come with owning real estate.

  2. I had that exact question you addressed in your first point – using a Roth IRA as a “holding place” for a house down payment. No penalty for withdrawing the contributions. I like it!

    Does it matter if you already own a house and would be buying a second one?

  3. I plan on buying my first home soon and will eventually turn it into a rental after I buy second home rinse and repeat.

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