Are your IRA's and 401(k)'s losing money?
Have you considered buying real estate with them?

Most of us have watched our retirement investments take a hit over the past 18 months and are wondering how to stop the bleeding. You can't take money out early from your IRA or 401(k) or you get nailed with the proverbial IRS penalty. But watching it continue to lose value is like watching the tire on your car go flat. And, since most IRA and 401(k) investments are tied to the stock market in some fashion, it's hard to determine when the leak is going to be fixed and the air hose is going to be available to re-inflate that same tire.

Did you know that you can use your IRA or 401(k) to purchase real estate?  If you have self-directed retirement plans, you can diversify your investments into real estate through a self-directed account plan administrator like Entrust New Direction IRA, Inc. (Lafayette, CO and offices nationwide).

Through this program, you can purchase virtually any type of real estate as long as it is for investment purposes. You can even leverage your IRA through a non-recourse loan (1^st Bank of Colorado with about 35% down) if you only have enough in your account for the down payment. All payments and related expenditures for the purchased property stay with the IRA and you have the same tax deferments as an IRA or 401(k) tied to financial markets. All profits you make off your real estate investment stay in the IRA and are sheltered until you withdraw monies from your account upon retirement. And, if it's a Roth IRA, there may be no tax implications.

You can also combine IRA's and or 401(k)'s, either yours or with someone else, to purchase real estate as long as you or the other investor do not live in the home or on the property. There is also a restriction on the property purchased through your personal IRA or 401(k) that you can't sell it back to yourself or an immediate family member.

With housing prices bottoming out and mortgage rates at the lowest since the mid-1900's, now is a perfect time to move your IRA investments into real property. 8 out of 10 economists are predicting housing values to increase steadily over the next 5 years and rental properties are in high demand.

For more information, email me at mkwebber@msn.com and I'll have Entrust send you an information packet or simply visit their website at www.newdirectionIRA.com. If you need a list of investment homes to consider, let me know and I'll send you some properties to review.