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Roth Academy

What Would You Invest In?

What Would YouInvest In?

Real estate, private lending, precious metals, digital assets, stocks and bonds: put your self-directed 401(k) or IRA to work in opportunities you understand.

01

Real Estate

Your plan can directly own real property (rental homes, land, or commercial buildings) instead of investing indirectly through a REIT or fund.

For example, a plan might purchase a rental property with plan funds, with rental income and expenses flowing back through the account.

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02

Private Lending

Put plan funds to work as the lender (financing another party's real estate purchase, business venture, or project) and collect the interest inside your plan.

For example, a plan might issue a short-term loan secured by real estate, earning interest as the borrower repays.

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03

Precious Metals

Hold IRS-approved gold, silver, platinum, or palladium inside your plan as a long-standing store of value, held by an approved custodian or depository.

For example, a plan might hold approved gold bullion through a depository arrangement coordinated by the account provider.

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04

Digital Assets

Some providers support holding digital assets like Bitcoin inside a self-directed plan, offering exposure to a newer, more volatile asset class.

For example, a plan might allocate a portion of funds to a digital asset held through a supporting provider's platform.

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05

Stocks & Bonds

Your plan can still hold traditional investments (individual stocks, bonds, and funds) alongside the alternative assets you add.

For example, a plan might keep a core position in stocks and bonds while directing a portion toward real estate or private lending.

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Investment availability depends on the account, provider, and applicable rules, and asset availability and risks vary with the arrangement. The academy does not recommend or custody investments.

A More Independent Tomorrow

Make It Count.

Your goals deserve more than a standard plan. Open a plan and put your retirement money to work.