WSJ on Real estate investment through Self Directed IRAs

Post Image

Interview with Self Directed IRA Legal Expert Mat Sorensen

Post Image

Rollover IRA Rules

Post Image

Liquid Alts for IRAs?

Post Image

Bitcoins for Self Directed IRAs?

Post Image

Farmland Investment in My IRA?

Post Image

Dividend Stocks Out of Favor, per Bloomberg

Post Image

Precious Metals in a Self Directed IRA

Post Image

IRAs, Bankruptcy and Collection

Post Image

Strong $ Lowers Foreign US Home Buying

Post Image

Lack of Savings, Healthcare Driving Working Old

Social Security – the “Bond” in Everyone’s Retirement Portfolio

Post Image

Pre-IPOs 2.0 – The Craze is Back, With a Twist

Post Image

Wall St Behaving Badly (or Why Investors Continue to Flock to Self Directed IRAs)

Post Image

Housing Market Indicators to Watch

Post Image

All Cash Buyers Curtail Home Buying Activity

Post Image

Managing Risk – Longevity Annuities

Post Image

Self Directed IRA Alternative: Crowdfunded Tech is a Bubble

Post Image

Unseen Retirement Threat: Filial Responsibility Laws

Yale Economist on US Stock Market, Housing

Financial Times: US Housing Recovery Uneven

Post Image

Positive Sign in US Single Family Housing Market? PIMCO Says ‘Yes’

Reuters: 3 Retirement ‘Loopholes’ at Risk Under Tax Law Changes

Post Image

Google Trends Reads Housing Investors (Flippers) Minds

Post Image

Self Directed IRAs: Case Study on Why Individuals Prefer Alternatives to the Wall Street Hype Machine

Post Image

IRA Cybersecurity

Post Image

Investment Idea: Berkshire Hathaway On Sale?

Post Image

Legal Expert Comments on Self Directed IRA Court Case

Post Image

What SBA Lending Can Teach ROBS Entrepreneurs?

Goldman Sachs: Millennial Generation “H8s” Stock Market

Post Image

Alternative Investments – Investors Cool on “Liquid Alts” Funds

SEC Alleges Misconduct by Leading Self Directed IRA Provider

Post Image

What % Self Directed IRA Assets Should be in My Retirement Portfolio???

Post Image

High Investment Returns make ROTH IRA Conversion an Easy Decision for this NY Hedge Fund

Post Image

Wall Street Journal on IRA inheritance, “Death, Taxes and Your IRA. Ouch.” (WSJ, June 11, 2015)

Post Image

Exclusive myIRAhack.com Anlaysis: REITs vs Single Family Home Prices

Post Image

Wall Street’s Single Family Home Rental Experiment Has Been a Failure

‘Home storage precious metals IRAs’ – A Bad Idea, says attorney

Indiana Attorney’s Self Directed IRA Fraud

Post Image

Stock Market Bubble? Robert Shiller and GMO’s Perspective

Post Image

Are 401(k)s a “complete waste of money “

Post Image

(More than five) Habits of Fidelity Investments’ 401k Millionaires

Post Image

In the News: Realty Trac’s Q1 2015 U.S. Home Flipping Report

Post Image

In the News – Adverse Bankruptcy Court Ruling on Self Directed IRA Engaging in Prohibited Transactions

Tips on Early Retirement from Retireby40.org

Post Image

Retirement Hack for Healthcare Spending

Tips on Increasing Retirement Savings & Income

Missing Out – Workers Lose Out on ‘Free Money’

Post Image

USA Today is helping Baby Boomers to Avoid “Big retirement mistake”

Post Image

Financial Advisers told to do Due Diligence on Self Directed IRAs by Regulators

Philly.com makes reference to the world’s most famous self-directed IRAs

Post Image

Large Self Directed IRA Custodian Rumored For Sale

Main Blog

WSJ on Real estate investment through Self Directed IRAs

REITs & mutual funds might be better way to invest in real estate; self directed IRA real estate investment “risky” and “not for everyone” says WSJ
Investing in real estate through self directed IRAs is risky with lots of rules, according …

Post Image

Interview with Self Directed IRA Legal Expert Mat Sorensen

myIRAhack.com sat down with Mat Sorensen, an attorney and self directed IRA legal expert with Kyler Kohler Ostermiller & Sorensen, LLP. Mat is a best-selling author of the most widely used book covering the legal and tax aspects of self-directed IRAs, The …

Post Image

Rollover IRA Rules

“Rollover.”
Have you heard the term, but never knew what it meant? Rollovers are the transfer of funds from one retirement savings plan, like an IRA or 401K, to a new or consolidated IRA.  If you do not know the rollover …

Post Image

Liquid Alts for IRAs?

Are liquid alts suitable for IRAs? Prominent hedge fund investors Anthony Scaramucci and Brad Balter recently debated the merits of liquid alts for individual investors.
As a reminder, “liquid alts” are mutual funds and exchange traded funds that mimic hedge fund investing …

Post Image

Bitcoins for Self Directed IRAs?

Are Bitcoins suitable investments for self directed IRAs? Self directed IRA custodians offer investors the ability to invest in bitcoins or the Bitcoin Investment Trust. Los Angeles brokerage Wedbush Securities recently recommended the Bitcoin Investment Trust in a research report …

Post Image

Farmland Investment in My IRA?

Farmland is an intriguing asset class. Some studies have shown it has generated consistent positive returns on both a current income and price appreciation basis.  The Economist called farmland “gold with a coupon.”
Different Types of Farmland
Farmland is typically broken out …

Post Image

Dividend Stocks Out of Favor, per Bloomberg

ETFs focusing on dividend paying stocks are experience net outflows, according to Bloomberg Business. The outflows are attributed in part to expectations that the Fed will raise raise and because many dividend ETFs like the $20 billion Vanguard Dividend Appreciation …

Post Image

Precious Metals in a Self Directed IRA

Precious metals may be purchased by a self directed IRA as well as other IRS-favored accounts like HSAs.  Why would an investor want to own gold, silver or any precious metals in their retirement portfolio? What extra steps must they …

Post Image

IRAs, Bankruptcy and Collection

You can’t get blood from a stone. But you just might get money from a bankrupt individual with seemingly no assets to his or her name.
When individuals go bankrupt, a court appointed bankruptcy trustee gathers the debtor’s non-exempt  property, manages …

Post Image

Strong $ Lowers Foreign US Home Buying

US single family home investors, including self directed IRA investors, are seeing less competition from foreign buyers thanks to the strong US dollar, according to CoreLogic.

 
 
Share this:Click to email this to a friend (Opens in new window)Click to share on …

Post Image

Lack of Savings, Healthcare Driving Working Old

Bloomberg coverage of a Transamerica survey back in April has some sobering facts about the prospect of retiring for millions of Americans.

“82 percent of workers in their sixties or older said they expect to, or are, working past 65, and don’t plan to …

Social Security – the “Bond” in Everyone’s Retirement Portfolio

Check out Morningstar’s interview with financial-planning expert Michael Kitces.  Kitces convincingly argues that retirees are not factoring in the bond like attributes of social security in their asset allocation investing strategies.
How it Might Work?
Consider a person with a 20 year life …

Post Image

Pre-IPOs 2.0 – The Craze is Back, With a Twist

You may recall the pre-IPO craze with Facebook and Twitter circa 2011. According to our sources, pre-IPOs were a popular investment with many self directed IRA investors. US regulatory bodies took notice, with the Securities and Exchange Commission and FINRA …

Post Image

Wall St Behaving Badly (or Why Investors Continue to Flock to Self Directed IRAs)

Wall street firms continue to fuel investors’ skepticism and mistrust.  This time FINRA fined three firms — Wells Fargo, LPL Financial and Raymond James — for overcharging retirement investors on mutual funds.  While we disagree with the Obama Administration’s fiduciary …

Post Image

Housing Market Indicators to Watch

The Orange County Register of California shared its leading indicators of what may stop the US housing market’s recent momentum. According to the article, investors and homeowners should carefully watch:

Interest rates (historically low, if they increase as many expect, this will …

Post Image

All Cash Buyers Curtail Home Buying Activity

All cash homebuyers curtail their activity, and that’s a good thing, according to experts. Fox News cites RealtyTrac data showing dramatically less home buying activity by all cash buyers as a percent of the overall market. myIRAhack.com believes this is a …

Post Image

Managing Risk – Longevity Annuities

The good news: people are living longer.

Source: U.S. Dept. of Commerce, Bureau of the Census, Historical Statistics of the United States.
The bad news: longevity risk increased as a result.
Potential Relief
With people living longer these days, a  Treasury rule offers individuals …

Post Image

Self Directed IRA Alternative: Crowdfunded Tech is a Bubble

In a recent Tech Crunch article, tech writer and financier Tallat Mahmood convincingly warns of an impending bubble in privately financed and crowdfunded tech companies (The Tech Industry Is In Denial, But The Bubble Is About To Burst, June 26, …

Post Image

Unseen Retirement Threat: Filial Responsibility Laws

“Reports that say that something hasn’t happened are always interesting to me, because as we know, there are known knowns; there are things we know we know. We also know there are known unknowns; that is to say we know …

Yale Economist on US Stock Market, Housing

Yale economist on stocks and housing:

 
Share this:Click to email this to a friend (Opens in new window)Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on Google+ (Opens in new window)Click …

Financial Times: US Housing Recovery Uneven

The Financial Times provides a concise summary of the US Housing Market’s uneven recovery. This market commentary should be very interesting to residential real estate investors. One key takeaway: lower income housing rentals have experienced supply shortages and robust rental price …

Post Image

Positive Sign in US Single Family Housing Market? PIMCO Says ‘Yes’

First time homebuyers coming back? PIMCO sees reason for hope, as first time homebuyers ~32% of all homebuyers (off pre financial crisis average of ~40%).
Encouraging sign? Or “head fake”?

We see reason for cautious optimism.
PIMCO’s Mike Cudzil:
“U.S. home prices have increased …

Reuters: 3 Retirement ‘Loopholes’ at Risk Under Tax Law Changes

Reuters speculates that 3 tax loopholes might be phased out.
The three loopholes allegedly at risk are:

Back-door Roth IRA conversions
Stretch IRA
“Aggressive” strategies for Social Security

Those nearing retirement should not have to worry, according to a retirement expert, as changes typically …

Post Image

Google Trends Reads Housing Investors (Flippers) Minds

Using Google Trends, we tracked keywords measuring the overall interest in flipping homes and borrowing of money (via hard money lending) in support of home flipping. Our goal was to get a sense of what people search for on the …

Post Image

Self Directed IRAs: Case Study on Why Individuals Prefer Alternatives to the Wall Street Hype Machine

Remember the ‘rare earth metals’ craze of a few years ago?  We do. “Rare earth metals” was one of those hot industries that comes out of nowhere into the investing community’s consciousness.
This Google Trends graph shows how search interest in …

Post Image

IRA Cybersecurity

The Street.com notes how IRA and 401(k) accounts could be attractive targets for hackers, as most people check retirement account balances infrequently, sometimes as little as once a year. By the time any theft or malfeasance is detected, the theft …

Post Image

Investment Idea: Berkshire Hathaway On Sale?

At a recent investor conference, we overheard a conversation debating the merits of Berkshire Hathaway stock.  Explaining and understanding Buffett’s success can be tricky, though it’s hard to argue with his results. (For a rigorous academic analysis of Berkshire Hathaway’s …

Post Image

Legal Expert Comments on Self Directed IRA Court Case

In “Federal Circuit Court Says No Salary from IRA/LLC to IRA Owner,” Arizona attorney Mat Sorensen  summarizes key takeaways from a Federal Appeals Court ruling holding that an IRA owner engaged in a prohibited transaction when he paid himself compensation from …

Post Image

What SBA Lending Can Teach ROBS Entrepreneurs?

Last September, the Wall Street Journal published data on the most failure-prone franchisees under the Federal Government’s Small Business Administration (SBA) lending program. The most failure-prone franchises included Planet Beach, Huntington Learning Centers, Quizno’s, Curves, AAMCO and Cold Stone Creamery, among others. Using …

Goldman Sachs: Millennial Generation “H8s” Stock Market

Now that “millennials” (ages 18-34) have surpassed baby boomers as the largest age cohort, what does it mean for the stock market and investing if, according to Goldman Sachs surveys, in general the Millennial generation doesn’t trust stock market.
 
Excessive student debt, diminished …

Post Image

Alternative Investments – Investors Cool on “Liquid Alts” Funds

Following the financial crisis of 2008 investors flocked to so called “liquid alternatives” funds, mutual funds that copied many of the sophisticated hedge fund bond and equity trading strategies. For the six years through 2014, liquid alts accounted for more than a …

SEC Alleges Misconduct by Leading Self Directed IRA Provider

Ohio-based Equity Trust Company, one of the largest self directed IRA providers with over 130,000 clients and $12 billion of assets under administration, was charged by the Securities and Exchange Commission with taking an active role in marketing fraudulent investments …

Post Image

What % Self Directed IRA Assets Should be in My Retirement Portfolio???

We recently overheard interesting comments about self directed IRAs, which brought to mind a PENSCO Trust article, “How Much of Your Retirement Portfolio Should Be In Alternatives?” by Eileen Loustau.   As an IRA custodian, PENSCO is not in the business …

Post Image

High Investment Returns make ROTH IRA Conversion an Easy Decision for this NY Hedge Fund

Legendary hedge fund manager Renaissance Technologies  of East Setauket, NY has implemented a cutting edge plan retirement plan for its employees to take advantage of the benefits of a Roth IRA cutting edge plan retirement plan for its employees to …

Post Image

Wall Street Journal on IRA inheritance, “Death, Taxes and Your IRA. Ouch.” (WSJ, June 11, 2015)

The Wall Street Journal’s  Jonathan Clements wrote an insightful article on the estate tax implications of inherited IRAs.

The gist:

Heirs to traditional (tax deferred) IRAs and 401(k) must pay taxes on withdrawals
Many taxpayers who inherit IRAs “stretch” or extend the withdrawal …

Post Image

Exclusive myIRAhack.com Anlaysis: REITs vs Single Family Home Prices

Real estate has an important role in any retirement portfolio. What percent of your retirement portfolio should you hold in real estate? Legendary Yale Chief Investment Officer David Swensen’s asset allocation target is to hold approximately 20% of a portfolio  in real …

Post Image

Wall Street’s Single Family Home Rental Experiment Has Been a Failure

“It seemed like a good idea at the time….”
In the wake of the financial crisis, investors hoped that single family home rental companies (including a few tax favored REITs) were a “part of the solution” to the overhang of foreclosed and underwater …

‘Home storage precious metals IRAs’ – A Bad Idea, says attorney

Attorney Seth Pierce, of the law firm Mitchell Silberberg & Knupp LLP provides clear advice on home storage precious metals IRA: stay away. According to Pierce, these vehicles are very different from precious metals IRAs, which are more mainstream investments.  ‘Home …

Indiana Attorney’s Self Directed IRA Fraud

The Chesterton Tribune of Chesterton, Indiana describes a case where an attorney committed wire fraud to steal $350,000 from a client account:
“(Attorney) Holesinger…..committed wire fraud….when he directed an Ohio trust company to wire $350,000 from a self-directed IRA which he’d …

Post Image

Stock Market Bubble? Robert Shiller and GMO’s Perspective

With recent market volatility, we revisit a research piece by GMO (formerly known as Grantham Mayo van Otterloo), the $118 billion US-based asset manager. GMO offers a unique and well informed insight into the (seemingly never ending) debate about whether or …

Post Image

Are 401(k)s a “complete waste of money “

CLICKBAIT Alert! …..
Financial provocateur and author James Altucher has some contrarian advice for “20 and 30 somethings” — get out of 401(k)s. Altucher says:

No one has any idea what’s being done with 401(k)
Put that money in your bank account (taxable account)
401(k) fees are …

Post Image

(More than five) Habits of Fidelity Investments’ 401k Millionaires

We remind readers of an encouraging and useful report from Fidelity Investments, “Five habits of 401k millionaires.” The advice is brilliant in its simplicity, though unfortunately the dream of retirement is out of the reach for almost half of American …

Post Image

In the News: Realty Trac’s Q1 2015 U.S. Home Flipping Report

According to the Realty Trac Q1 2015 Home Flipping Report, seven (7) of the best home flipping markets are concentrated in Florida, by far more than any other state.

Regionally, the southeast is has been the most profitable region to flip homes in …

Post Image

In the News – Adverse Bankruptcy Court Ruling on Self Directed IRA Engaging in Prohibited Transactions

At the Wealth Management website, Dawn Markowitz provides an excellent summary of a bankruptcy court ruling effecting self directed IRAs. A bankruptcy court ruled against an individual that engaged in prohibited transactions when his self directed IRA invested in a real …

Tips on Early Retirement from Retireby40.org

Joe Udo’s enjoyable and informative blog Retire by 40 by has a good post summarizing tips on retiring early.
The article’s suggestions are quite sensible, like monitoring income, expenses and monthly savings, investing taxable savings into dividend stocks, saving more, generating …

Post Image

Retirement Hack for Healthcare Spending

Of the many ways to close the estimated $4.1 trillion retirement funding gap in the US , we’d urge current employees who are eligible to consider signing up for a health savings account (HSA).

 
 
 
 
 
Why?
Consider:
*Healthcare expenses account for 12-15% of retirees’ …

Tips on Increasing Retirement Savings & Income

 
An article in CNBC offers retirees specific tips on how to increase their savings and maximize their retirement income, such as:
1) downsizing…sell a more expensive home and buy a cheaper (smaller) replacement home; use the “money taken off the table” …

Missing Out – Workers Lose Out on ‘Free Money’

The Wall Street Journal, MarketWatch, Reuters  and Forbes posted stories on Financial Engines’ report noting that  one in four 401(k) participants miss out on part of the matching contribution provided by their employers (see report here). Just how much are these workers …

Post Image

USA Today is helping Baby Boomers to Avoid “Big retirement mistake”

USA Today’s article, “Big retirement mistake: Boomers with no estate plan”, offers cautionary advice to baby boomers. In short, the article offers good suggestions:
1) have financial planner and estate tax lawyer review major financial documents
2) designate a health care proxy, living …

Post Image

Financial Advisers told to do Due Diligence on Self Directed IRAs by Regulators

Investment News December 2014 article, “Self-directed IRAs hold risks for financial advisers” notes how regulators are politely reminding financial advisers to understand what investments and custodial arrangements exists for any self directed IRA portfolios they manage on their clients behalf.

 
Share …

Philly.com makes reference to the world’s most famous self-directed IRAs

Philly.com mentions the world’s most famous self directed IRA in May 4, 2015 article, “The wide world of self-directed IRAs”  
Share this:Click to email this to a friend (Opens in new window)Click to share on Facebook (Opens in new window)Click to …

Social Icons

%d bloggers like this: