IRA, Roth, and 401K Investing Strategies

Learn how to create your own self-directed retirement account with an IRA, Roth or 401k which you can use to invest in real estate, notes, options and other profitable investments.

What's so wonderful about a Roth IRA? 

Two things set a Roth IRA apart from all other types of retirement plans.

First, once money is contributed to it, whether from after-tax earned wages or from a "roll-over" from another IRA, the money not only can continue to compound tax-free for two generations, but can ultimately be withdrawn free of federal income taxes.

Second, there is no mandatory age when retirement plan withdrawals must commence, nor any minimum distribution once funds are withdrawn. 

Consequently, Roth IRA assets can be allowed to accumulate throughout the life of the initial Beneficiary, and throughout the life of his/her heirs before being withdrawn by grandchildren.  The only tax that will be applied will be estate and inheritance taxes, and for joint estates less than $1,300,000 in 1999, and up to $2,000,000 after 2007, there would be no estate taxes at all.

The implications of these unique Roth IRA features are astounding.  Roth IRAs have excited the American public, triggering a binge of Roth IRA formations and contributions by wage earners who never previously took any active interest in retirement planning.  Singles, young marrieds, elderly Social Security recipients, grand parents, and infant grand children are all forming Roth IRAs and making annual contributions