The Advantages of Investing Your 401(k) in Real Estate.

Michael Del Prete

It might seem daunting at first to consider the idea of investing your 401(k) plan in real estate, however, I am providing you with a few great reasons for success as to why you should embark on such a journey to financial freedom. You donʼt need to be an expert to start and I am here to guide you on increasing the returns of your retirement income by purchasing real estate so that you can live the life you have always dreamed about.

A growing number of investors who own 401(k) plan assets and IRA assets have become disappointed by the unpredictability of stock market rates of return and are demanding wider investment choices beyond stocks, mutual funds and bonds.
There has been a rise in investors who are now taking the time to educate themselves about how to invest in real estate using their retirement funds. Donʼt you think it is time to take destiny into your own hands and start creating the life you want to live?

When you purchase property, whether it be a multi-family apartment(s); a commercial building; land or even a rental property on the beach, you can access your IRA or 401(k) money without paying a penalty and invest in what you know. Do you see how possibility meets opportunity? By leveraging part of your retirement, real gains are once again feasible. It is time for you to be your own wealth advocate! It has never been easier to create lasting retirement wealth. Donʼt waste another precious minute of quickly fleeting time - start now!

If you so wish, it is also possible to obtain a loan to purchase the investment property using retirement funds as the down-payment. This creates diversification without tying up all of your retirement funds.

With the right professional guidance and direction, you can open the door to many more investment opportunities for your IRA or 401(K). Real estate investments you once thought were “out of reach” can now be part of your portfolio! An example of great benefit that is at your fingertip is that If you decide to purchase a retirement home and youʼre years away from retiring, use your IRA or Real Estate 401(k) to purchase the property and rent it out in the meantime. The income you receive in rent is tax deferred until you start to take withdrawals, so you can put it away until you do retire. When youʼre ready, you simply direct your IRA or 401k to turn it over to you as a distribution at the current market value - it does not get any easier than that.

When you purchase real estate in your retirement plan, you are not only changing what your retirement funds do (building tax-free or tax-deferred value for use at some future date); you are just changing the type of investment in your retirement account (from stocks, bonds and mutual funds to real estate) in order to reap the benefits of appreciation and rental income under the umbrella of the IRA/401(K) tax benefits.