This webinar was hosted by Sense Financial and featured Jeff LaMotte with Val-Chris Investments. Dmitriy Fomichenko presented on the topic of “Investing in Trust Deeds Using Your IRA or 401k”.

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Investing in Trust Deeds Using Your IRA or 401k

When it comes to retirement savings, most people think of traditional investment options like stocks, bonds, and mutual funds. However, there are other alternative investment opportunities that can help build a diversified portfolio and potentially generate high returns, such as investing in trust deeds through your IRA or 401k.

What is a Trust Deed?
A trust deed is a legal document that lays out the terms and conditions of a real estate loan. It is used when a property owner secures a loan by offering the property as collateral. The trust deed outlines the rights and obligations of the lender, borrower, and trustee involved in the transaction.

How Does Investing in Trust Deeds Work?
Investing in trust deeds involves acting as the lender and providing funds to borrowers who need real estate financing. This method bypasses the traditional banking system, allowing individuals to lend their retirement funds to borrowers and earn passive income in the form of interest.

Why Choose Trust Deeds for Your IRA or 401k?
1. Diversification: Incorporating trust deeds into your retirement portfolio diversifies your investments beyond the usual stocks and bonds, reducing overall risk.

2. Passive Income: Investing in trust deeds gives you the opportunity to earn regular income in the form of interest, which can supplement your retirement savings.

3. Secured Investments: Trust deeds are backed by tangible assets (real estate), which act as collateral. This provides an added layer of security, reducing the risk of investment loss.

4. Higher Returns: Trust deed investments often offer higher interest rates compared to traditional investment options. This can result in better returns for your retirement savings.

5. Flexibility: Investing in trust deeds allows you to take control of your retirement savings, choosing the loans and borrowers you want to invest in. This gives you the ability to customize your investment strategy based on your risk tolerance and preferences.

How to Invest in Trust Deeds Using Your IRA or 401k?
To invest in trust deeds through your IRA or 401k, you need to establish a self-directed IRA or 401k account. Self-directed accounts give you the freedom to invest in a wide range of alternative asset classes, including trust deeds.

Here’s how the process typically works:
1. Open a self-directed IRA or 401k account with a custodian that allows trust deed investment.

2. Fund your account by transferring or rolling over funds from your existing retirement account(s).

3. Identify suitable trust deed investment opportunities. Conduct thorough due diligence on potential borrowers and their properties.

4. Direct your custodian to invest your IRA or 401k funds into the trust deed of your choice.

5. Earn passive income through regular interest payments made by the borrower, which will be deposited into your self-directed retirement account.

6. Manage your investments by monitoring borrower payments, staying updated on market conditions, and working closely with your custodian.

It’s essential to work with trusted and experienced professionals who specialize in self-directed IRAs or 401k accounts to ensure compliance with IRS rules and regulations.

Conclusion
Investing in trust deeds through your IRA or 401k offers an alternative way to grow your retirement savings. By diversifying your portfolio, earning passive income, and benefitting from secured investments, you can potentially enhance your financial future. However, it is crucial to thoroughly research and understand the risks associated with trust deed investments and consult with professionals before making any investment decisions.