Insuring Your Investment

By Alisha Bennett

We at CheckBook IRA want to wish all of you a very Happy Thanksgiving and hoping that you surround yourself with family or loved ones. This is the time of year when we take stock in our investment performance and pat ourselves on the back or give ourselves a kick in the pants.

Retirement accounts are becoming a major source of security for our financial future and because of this more people want to take as much control as possible over these accounts. That is where we come in. You have as much control as you want, but you can enlist the help of a professional advisor whenever you so desire.

I asked one of our very successful affiliates what they tell their clients to help them secure financial security:

  1. Stay true to your goals.If you’re invested for the long term, don’t sell off at the first sign of a downturn—maybe that’s the time to invest more.
  1. Realize what is fake news and what is real news.Too often, people read articles on the Internet written by fear mongers who have sold an investment short and are trying to drive price down. In other words, vet your source or sources of information.
  1. Invest in what you know.If you’re going to invest in Bitcoin, become a student of cryptocurrency. Don’t be afraid to look at your past career to see how you can invest in your expertise.
  1. Don’t be afraid to use a financial advisor.Good advisers relish the thought of their clients using checkbook-controlled retirement accounts, for it leads to all kinds of alternative investments and helps them show their value to the client. They can also help shuffle through the fake news and suspect investments.
  1. Invest with a worst-case scenario – WHAT IS THE WORST THAT CAN HAPPEN.That is one of the reasons I like real estate, for if everything goes into a kerfuffle, I always will have some place to live in or a income producing rental. I have enough stock certificates that are only good for starting a campfire.

We don’t invest to lose money, but to build our financial future and the best way to do that is to have a complete plan. Remember that the greater reward the greater risk.

All in all, the above are a few nuggets that I hope you can use.

Finally, we would like to wish you and your family a very joyous and profitable holiday season.


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    Why would you buy a real estate investment property inside your IRA or Ind 401(K) accounts and loose the benefit of depreciation? That is one of the most beautiful benefits of holding real estate property. Financing it would alse be problematic as there are very limited avenues to getting loans against properties held in your IRA.

    • Jordan Sheppherd

      Hi Satpal,

      I think that a bit of an oversimplified view. Its true that you lose deductions when buying property in a retirement account, but people tend to forget about depreciation recapture, and when you work the numbers on funds that remain untaxed such as tax-deferred IRA or Solo 401(k) funds, there’s no question that those retirement funds will grow exponentially faster than personal funds that are taxed; even when those personal funds are invested in real estate for which you get certain deductions.

      If you think through it a bit more, you’ll see that losing deductions on property is really a non-issue here. Of course the best thing to do is get a Roth 401(k) or Roth IRA built up, so that you don’t have to bother with the taxes at all.