90 Things You Can Invest In With a Self-Directed IRA

A Self-Directed Individual retirement account (SDIRA) offers a unique opportunity for investors to diversify their retirement portfolio beyond traditional stocks and bonds. With a Self-Directed IRA, individuals can leverage their investment knowledge and explore alternative assets. Below is a comprehensive list of 90 different investment options available through a Self-Directed IRA.

1-10: Real Estate Investments

1. Residential Properties – Invest in single-family homes or multi-family units.
2. Commercial Properties – Own retail spaces, office buildings, or warehouses.
3. Vacation Rentals – Purchase properties in tourist areas for short-term rentals.
4. Raw Land – Buy unimproved land for future development or resale.
5. Real Estate Investment Trusts (REITs) – Invest in a collection of real estate assets.
6. Fix-and-Flip Projects – Buy, renovate, and sell properties for profit.
7. Tax Liens – Purchase tax lien certificates to earn interest or property.
8. Storage Units – Invest in self-storage facilities.
9. Mobile Home Parks – Own and manage mobile home rental communities.
10. Real Estate Crowdfunding – Participate in crowdfunding platforms investing in real estate.

11-20: Precious Metals

1. Gold Bullion – Invest in physical gold bars or coins.
2. Silver Bullion – Acquire silver bars or coins as a hedge against inflation.
3. Platinum and Palladium – Invest in these precious metals for asset diversification.
4. Gold Mining Stocks – Buy shares in companies that mine gold and other metals.
5. Silver Mining Stocks – Invest in silver mining corporations.
6. Precious Metals ETFs – Invest in exchange-traded funds focused on precious metals.
7. Rare Coins – Invest in valuable collectible coins.
8. Jewelry – Purchase precious metal jewelry as an investment.
9. Numismatic Coins – Collect coins not just for their metal value but their rarity.
10. Commodity Certificates – Invest in certificates tied to precious metal prices.

21-30: Notes and Debt Investments

1. Private Mortgages – Offer loans secured by real estate.
2. Promissory Notes – Invest in notes from private borrowers.
3. Corporate Bonds – Purchase debt instruments from corporations.
4. Peer-to-Peer Lending – Lend money through online platforms for interest returns.
5. Mortgage-Backed Securities – Invest in securities based on mortgage loans.
6. Liens on Property – Acquire lien rights on properties to earn interest.
7. Tax Deed Investing – Acquire property through tax deed sales.
8. Judgment Liens – Invest in judgments against property owners for returns.
9. Installment Payments – Invest in agreements for future payments.

31-40: Alternative Energy

1. Solar Panels – Invest in solar energy projects for long-term gains.
2. Wind Farms – Purchase stakes in wind energy facilities.
3. Green Technology Startups – Invest in companies focused on eco-friendly tech.
4. Biomass Ventures – Fund projects producing energy from organic materials.
5. Hydroelectric Investments – Invest in hydroelectric power plants.
6. Renewable Energy ETFs – Buy funds focused on renewable energy stocks.
7. Energy Commodities – Invest in energy-related commodities like oil and gas.

41-50: Collectibles and Other Assets

1. Art – Invest in fine artwork and pieces of cultural significance.
2. Vinyl Records – Collect and invest in rare music records.
3. Classic Cars – Invest in vintage automobiles.
4. Wine – Purchase premium wines for future returns.
5. Sports Memorabilia – Acquire collectible sports items for potential value increases.
6. Stamps – Invest in rare postage stamps.
7. Comics – Collect and invest in valuable comic books.
8. Antiques – Purchase antiques for investment and enjoyment.
9. Gems and Stones – Invest in precious and semi-precious stones.
10. Furniture – Invest in collectible furniture pieces.

51-60: Startups and Private Companies

1. Private Equity – Invest directly in private companies.
2. Startups – Fund new businesses in exchange for equity.
3. Franchise Ownership – Invest in a franchise opportunity.
4. Crowdfunding Projects – Participate in projects via crowdfunding platforms.
5. Angel Investing – Provide funding to early-stage companies.
6. Real Estate Syndications – Pool resources with other investors for larger projects.
7. SaaS Companies – Invest in Software as a Service startups.
8. Technology Ventures – Fund tech companies focusing on innovative solutions.

61-70: Cryptocurrency and Digital Assets

1. Bitcoin – Invest directly in Bitcoin.
2. Ethereum – Purchase Ethereum as a digital asset.
3. Cryptocurrency ETFs – Buy exchange-traded funds focused on cryptocurrencies.
4. Tokenized Real Estate – Invest in platforms that tokenize real estate offerings.
5. Blockchain Startups – Fund companies using blockchain technology.
6. Crypto Mining Operations – Invest in or run cryptocurrency mining facilities.
7. NFTs – Acquire Non-Fungible Tokens representing digital ownership.

71-80: Traditional Investments

1. Stocks – Invest in publicly traded company shares.
2. Bonds – Buy bonds issued by the government or corporations.
3. Mutual Funds – Invest in mutual funds for diversified portfolios.
4. Exchange-Traded Funds (ETFs) – Purchase shares of ETFs to gain market exposure.
5. Certificates of Deposit (CDs) – Invest in time deposits with banks.
6. Options and Futures – Trade in derivatives based on asset price movements.

81-90: Services and Other Investments

1. Invest in Businesses – Provide capital to businesses for expansion.
2. Partnerships – Enter into investment partnerships with shared returns.
3. Educational Courses – Invest in personal development and knowledge.
4. Health and Wellness Franchises – Invest in franchises focused on health.
5. Event Spaces – Purchase property for hosting events.
6. Debt Funds – Invest in funds that specialize in debt instruments.
7. Venture Capital Funds – Provide capital to venture capital firms.
8. Art Funds – Invest in funds specifically targeting art pieces.
9. Co-working Spaces – Invest in shared office spaces.
10. Franchise Resales – Purchase existing successful franchise operations.

Conclusion

A self-directed IRA enables investors to diversify their retirement portfolios with a wide array of asset classes. The options range from traditional investments to alternative assets like real estate, precious metals, and cryptocurrencies. While the potential for greater returns exists, investors should also be aware of potential risks and ensure they understand IRS regulations regarding SDIRAs.

As always, it’s important to conduct thorough research or consult with a financial advisor to align investment choices with personal financial goals and risk tolerance. With the right strategy, a self-directed IRA can be a powerful tool in building long-term wealth.

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