About self-directed 401(k) plans & IRAs

Self-directed 401(k) plans and IRAs let savers decide how to invest their pretax and after-tax retirement contributions. Rather than being limited to mutual funds, stocks, bonds, ETFs, REITs and other traditional assets offered by traditional 401(k) plans, self-directed 401(k) plans allow you to choose exactly where you’ll invest your money.

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For many Americans, the 401(k) and individual IRA is their main – if not their only – retirement account. Given the important role the 401(k) plays in Americans’ retirement plans, it’s natural to want a high degree of control over how one’s 401(k) is invested.

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A self-directed 401(k) or IRA lets you invest as you see fit. You can choose your own mutual funds, stocks and bonds, and you even can invest in more unconventional assets like real estate and commodities. 

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The types of investments you can choose include:

• Real estate (residential or commercial)

• Tax liens

• Private placements

• Precious metals

• Energy investments

• Equipment leasing

• Foreign currency

• Cryptocurrencies

• Private lending

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While self-directed 401(k) plans offer a much wider range of choices and greater flexibility, there are some limits on the types of investments you can have. For instance, you can’t hold collectibles, like artwork or antiques. There also are certain prohibited transactions, which will be discussed prior to implementing your plan.

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To set up an appointment to learn more about what Brickhouse has to offer and hear about some of our success stories, please email us at info@brickhouse-consulting.com.

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Or, get started now by filling out our 401(k) Plan Worksheet.

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