Let’s face it. With the way the economy is going today, investing in stocks is as worrisome as it is unprofitable. If you’re stuck in an employer-sponsored plan, your first step should be to rollover into a Roth IRA. Roth IRA investing is much more flexible and you have a much wider array of investment options. Employer-sponsored plans are not good because you are tied down to investments than benefit the employer more than you thus your returns are generally much lower.

When it comes to investing IRA funds, your best bet is to look for a company that will help you self-direct your account. That means you should be assigned a knowledgeable and experienced account trustee or custodian who will listen to your wants and needs and act accordingly. It might sound like a time-consuming event that requires a lot of effort but there is actually no extra work required of you since your account trustee takes care of all the transactions and assets by acting in your best interests.

If you don’t already have a Roth IRA, it’s important to learn why Roth IRA investing is the best by far. Unlike traditional IRAs, with Roth IRAs your contributions are taxed but you aren’t taxed when you withdraw the money. This is good for people expect to be in a higher tax bracket after retirement. It might seem nice to be able to place tax-deferred money into your account as with a traditional IRA but what’s the good in that if you are going to get taxed later anyway and at a higher rate most likely?

Investing IRA funds in a self-directed account is by far the best way to maximize returns. This is because you are in charge of the transactions and assets of your account. When you let your bank or employer stay in charge of your retirement funds, they are going to choose investment venues that benefit them rather than you. Furthermore, the ‘investment advisers’ they provide you with are chosen by them and not you and they will often charge exorbitant fees for their services.

Another reason self-directed Roth IRA investing maximizes returns is that you have a wider range investment options, including real estate, stocks, mortgages, franchises, partnerships, private equity, tax liens, and more. Real estate is a stable and lucrative investment. If you decide to invest in real estate, you will be able to double or even triple your returns! Real estate is stable because parcels of lands are tangible assets that exist materially. Their value tends to increase over time. On the other hand, stocks fluctuate in value every minute of the day.

Another benefit of investing IRA funds in real estate is the fact that real estate is insured against common forms of loss, such as natural disaster. Furthermore, there is always a high demand for real estate since people are always going to need land.

Now that you are armed with this information, what’s stopping you from getting out there and learning about how you too can rollover your retirement funds into a self-directed IRA account? By doing so, you will have a much wider range of investment options and thus have more opportunities to maximize your returns. The unstable economy of today is reason alone to get out there and start investing in stable markets that will help you secure a comfortable retirement.

www.ira-investing-guide.com now.

www.omega-3-for-health.com to learn about the omega 3 fish oils Laurel uses daily for optimal health.