Can I Buy Foreign Real Estate with a Self-Directed Solo 401(k)?

By Steve Sheppherd

Foreign Real Estate with a Self-Directed Solo 401(k)

One of the advantages of the Solo 401(k) is the ability to buy real estate in a foreign country. The problem with buying property in another country is that every jurisdiction has its own rules and regulations. In some cases, you have to be a member of a local corporation, or a domestic corporation if you are a foreigner. Some cases, the corporation has to have, possibly, a local attorney. Every country has its own rules. And it is nearly impossible to use your retirement plan if there is a custodian or trustee involved.

The real advantage of the Solo 401(k) is that you, as the plan administrator, have the authority to make those investments. You are the Trustee of the plan. So if you are in a foreign country, the actual plan itself can buy that property and you as the Trustee will sign and approve the deal.

Or if you want a little more anonymity, we create an LLC; and your Solo K plan owns that LLC and you’re the manager. Now your plan owns the LLC, and the LLC owns the property or owns the ownership interest in the corporation.

It is a real advantage with the Check Book Solo 401(k) if you are thinking about buying property overseas. It makes it very easy to do. We can set it up in no time, and you can diversify and even own property in another country.


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