Recent IRA Articles

One of the first decisions you'll make when opening a self-directed IRA is whether to choose a traditional IRA or a Roth IRA. Both offer tax advantages and can hold many of the same assets—including IRS-eligible physical precious metals—but they differ in how contributions are taxed, when withdrawals are taxed, and whether required minimum distributions…

A Roth IRA can be a powerful retirement tool—but what you hold inside it may matter as much as just having the account. One approach that some savers utilize is diversification, the process of including a variety of assets covering multiple asset classes in a portfolio. While diversification can’t guarantee profits or eliminate losses, it…

One of the most important reasons we work to grow our wealth is to leave something behind for our loved ones. For my parents, this was not an option. They were entrepreneurs and immigrants who were not aware of all their savings and retirement options. Thankfully, I have been fortunate enough to be able to…

Retirement accounts are often “lost” when people switch jobs, go through a major life change like a divorce, or transition among financial institutions. “There are more than 24 million ‘forgotten’ 401(k) accounts containing some $1.35 trillion in assets,” according to a report from Capitalize. The issue is so prevalent that Congress is considering legislation to…

Some financial changes are expected and even planned for, like getting married or sending kids to college. But numerous outside forces can also unexpectedly impact a person’s financial situation. That’s why periodically rebalancing your portfolio is often recommended by financial advisors. Rebalancing your portfolio gives you the opportunity to make adjustments so that your current…

What does it mean to have a well-rounded portfolio? What is the ideal asset allocation for a balanced portfolio? U.S. Money Reserve takes a look at what financial experts recommend when building a well-diversified portfolio of traditional asset classes, as well as your options for a variety of alternative assets. Why Is a Balanced Portfolio…

Back in the 2010s, a Rhode Island couple made a smart move when they purchased gold to include in their IRA. However, they overlooked one important guideline regarding storage of precious metals. They kept their IRA gold in home storage instead of at an IRS-approved depository. The IRS does not allow at-home storage of IRA…

Research from the Investment Company Institute (ICI) found that more than 40% of households owned an IRA in 2022. Are you part of this group but considering what more you could do to help increase the strength of your retirement portfolio? If so, a gold IRA rollover might be a good option. This gold IRA…

In addition to having an adequate amount of insurance coverage (home, health, auto, life, etc.) and a hearty emergency fund, being financially prepared for retirement may be one of the most important things you can do to protect your savings. Some people, especially those who may be averse to stock market volatility, prefer to prepare…

Are you paying down debt? Smart. Want to spend more quality time with your family? That’s also a great idea. And saving for retirement? Another one! How about building retirement savings through a self-directed IRA? Learn why that may be an ideal option to add to your list of retirement strategies. Self-Directed IRAs Offer Flexibility…

Physical gold can play an important role in a well-diversified retirement portfolio; however, certain rules must be considered if you want to take advantage of the full benefits a gold or other precious metals individual retirement account (IRA) can offer. IRA-eligible gold can’t be added to just any retirement account. It often needs to be…

When you diversify your portfolio, you help lower its overall risk exposure by allocating funds among various asset classes. Diversification avoids relying too much on the performance of a single asset class, helping you weather economic uncertainty and grow your portfolio. But is there too much of a good thing when it comes to diversification?…