Solo 401k FAQ – How can I invest in real estate from my Solo 401k at Vanguard, Schwab or Fidelity?

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The solo 401k plan, commonly referred to as self-directed Solo 41k is the retirement plan of choice for self-employed individuals or owner-only businesses including for the features highlighted below:

-The highest contribution limits for any defined contribution plan including up to $61,000 (or even $67,500 if you are 50 or older) for 2022, or $66,000 (or even $73,500 if you are 50 or older) for 2023.

-The ability to make pre-tax, Roth, and even Mega Backdoor Roth contributions.

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-Invest with checkbook control in real estate, cryptocurrencies, notes, private placements, and other types of alternative investments.

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Solo 401k FAQ – How can I invest in real estate from my Solo 401k at Vanguard, Schwab or Fidelity?

The Solo 401k is a powerful retirement savings and investment tool that allows self-employed individuals to save for their golden years while also having the ability to invest in a variety of assets, including real estate. However, many people are unsure of how to invest in real estate from their Solo 401k, especially when using popular investment platforms like Vanguard, Schwab, or Fidelity. In this article, we will explore how individuals can invest in real estate from their Solo 401k at these popular financial institutions.

When it comes to investing in real estate from a Solo 401k, it is important to first ensure that your plan allows for this type of investment. Each financial institution may have different rules and regulations regarding real estate investments, so it is crucial to thoroughly understand the specific guidelines set forth by Vanguard, Schwab, or Fidelity.

Vanguard, for example, offers a self-directed brokerage account option for their Solo 401k plans, which allows account holders to invest in a wider range of assets, including real estate investment trusts (REITs) and real estate ETFs. While direct real estate investments, such as rental properties, may not be permitted through Vanguard’s Solo 401k platform, using a self-directed brokerage account may provide more flexibility.

Similarly, Schwab also offers a self-directed brokerage account for their Solo 401k plans, which allows account holders to invest in a variety of assets, including real estate investment trusts and real estate mutual funds. However, like Vanguard, direct real estate investments may not be permitted through Schwab’s Solo 401k platform.

Fidelity also offers self-directed brokerage accounts for their Solo 401k plans, allowing account holders to invest in a wide array of assets, including real estate investment trusts and real estate mutual funds. Again, direct real estate investments may not be permitted through Fidelity’s Solo 401k platform.

When considering investing in real estate from a Solo 401k at Vanguard, Schwab, or Fidelity, it is important to consult with a financial advisor or tax professional to understand the rules and regulations regarding real estate investments within your specific plan. In addition, it is crucial to thoroughly research and understand the potential risks and rewards associated with real estate investments before making any decisions.

In conclusion, investing in real estate from a Solo 401k at popular financial institutions like Vanguard, Schwab, or Fidelity is possible through their respective self-directed brokerage account options. However, direct real estate investments may not be permitted through these platforms, so it is important to fully understand the specific guidelines and regulations set forth by each institution. Consulting with a financial advisor or tax professional is highly recommended to ensure compliance with all rules and regulations, and to make informed investment decisions.