Rocket Dollar Knowledge Base

What type of investments can a self-directed retirement account own?

You can own almost anything!

Here are some popular self-directed retirement investments

  • Single or Multifamily Rental Property
  • Precious Metals
  • Cryptocurrency
  • Undeveloped Land
  • Mineral Rights (Oil and Gas)
  • LLC
  • LP
  • C-Corp
  • General Partnership
  • Joint Venture
  • Real Estate Loans
  • Business Loans
  • Purchase
  • Timber Deeds
  • Crops
  • Cattle/Livestock Certificates
  • Race Horses and Competition Animals
  • Stocks
  • Bonds
  • Mutual Funds
  • Certificates of Deposit
  • And More!

According to the IRS, the law does not permit IRA funds to be invested in...

  • life insurance
  • collectibles (stamps, cars, art...)
  • S-Corporation stock.

See our list of prohibited transactions for more information.

If you invest your IRA into a restricted investment, the amount invested is considered distributed in the year invested and you may have to pay a 10% additional tax on early distributions.