Are Self-Directed Accounts Becoming the New Standard for Retirement Portfolios?

As traditional retirement portfolios continue to show their limits, an increasing number of savvy investors are turning to self-directed accounts like Checkbook IRAs (via an IRA LLC or Trust) and Solo 401(k)s.

Let’s explore why this shift is gaining momentum and what it means for your strategy.

Why the tide appears to be turning

For years, most retirement plans relied on stocks and bonds. But now investors are seeking more control, more asset class diversity, and more flexibility. Investing with Self-Directed IRAs is gaining traction as individuals seek portfolios that reflect their own expertise and preferences. An article from the National Association of Realtors (NAR) notes how self-directed retirement accounts allow access to alternative assets and are becoming more visible in real estate investor circles.

What’s driving the appeal

Self-directed structures appeal for several reasons:

• Greater asset variety: Instead of being limited to mutual funds and ETFs, you can invest in real estate, private debt, metals, startups and more.
• Control and agility: With an IRA LLC or Solo 401(k), you can move when opportunities arise, something standard plans often slow down.
• Customization: You can tailor investments based on your skill set, risk profile, or investment niche rather than being restricted to pre-packaged portfolios.

What this shift means for your retirement strategy

If self-directed accounts are becoming more common, here are some ways to think differently:

• Consider how you might allocate beyond public markets, thinking about investments where you bring experience or networks.
• Evaluate whether you want speed and control (like a Checkbook IRA) or high contribution capacity (like a Solo 401(k)).
• Be ready to document and manage your account as you would a business: structure, strategy, liquidity, and exit planning all matter.

Ready to see how your retirement plan could evolve with these options? We can walk you through the setup of both Checkbook IRAs and Solo 401(k)s, and help you align your structure with your long-term strategy.