Self-Directed IRA Rules & Regulations

Prohibited Transactions & Investments

Discover what investments your IRA cannot make pursuant to IRS guidelines.

Disqualified Individuals

There are self-directed IRA rules regarding who your account can invest with. Your IRA may not buy an investment from or sell an investment to a “disqualified person.”

Indirect Benefits

The purpose of the IRA is to provide for your retirement in the future. It is considered to be an “indirect benefit” if your IRA is engaged in transactions that, in some way, can benefit you personally today.

Learn more about “indirect benefits.”

Unrelated Business Income Tax

Learn how and when your IRA incurs tax because of leveraged investments or business income, and how to deal with the situation.

IRA Withdrawal Rules

To receive funds from your self-directed IRA without penalty, you must reach the age of 59½.

Traditional IRA, SEP, SIMPLE, and Solo 401(k) account holders must begin taking required minimum distributions (RMD) from their accounts beginning April 1 of the following year after reaching age 72.

Contribution Limits

Learn more about the Contribution Limits, Catch-Up Provisions and Contribution Deadlines for Self-Directed Traditional IRAs and Roth IRAs, HSAs, CESAs, SEP IRAs, SIMPLE IRAs, and Solo 401(k) plans.

Self-Directed IRA Rules and Regulations Explained

Interested in the tax-advantaged power of self-directed IRAs but too intimidated to get started? Eliminate the fear factor by learning the rules involved. This course features easy-to-understand videos and guides to arm you with the knowledge to become a confident investor.