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Self-Directed IRA
Invest Beyond Wall Street
Go beyond stocks and bonds. Through Retired.com, you can access a Self-Directed IRA designed for alternative investing.
The platform, affiliated custody services, and dedicated support are now all together in one experience.
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COMING SOON
How to open a Retired.com self-directed IRA
1. Open an Account
Sign up online in minutes. Choose your IRA type and complete secure identity verification.
2. Fund Your Account
Transfer, roll over an existing retirement account, or make a new contribution. Multiple funding options with guided support.
3. Choose Your Investments
Invest in the alternative assets that fit your strategy. Our team is available to support you every step of the way.
Top benefits of Retired.com’s self-directed IRA
True Diversification
Access asset classes that most retirement accounts don’t allow. Build a portfolio that reflects your knowledge and interests.
Expert Support
Get personalized support from experienced retirement specialists.
Institutional Security
Your assets are held with institutional-grade custody and security protocols.¹
Low, Transparent Fees
No hidden charges. You’ll always know exactly what you’re paying.
Ways to fund your self-directed IRA
Strategies
Your self-directed IRA blueprint, for free
Curious about what you can hold in a Self-Directed IRA, how it compares to a standard IRA, and which strategies other investors use? Explore our resource center for guides, tools, and insights.
Learn before you invest with Retired.com’s articles, guides and best practices
The latest insights on self-directed investing, alternative assets, and best practices from our retirement specialists.
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Frequently Asked Questions
What is a Self-Directed IRA?
A Self-Directed IRA (SDIRA) is an individual retirement account that allows you to invest in a broader range of assets beyond traditional stocks and bonds. With Retired.com, your SDIRA can hold real estate, cryptocurrency, private equity, precious metals, promissory notes, and other alternative investments — all with the same tax advantages as a conventional IRA.
What can I invest in with a Self-Directed IRA?
You can invest in a wide range of alternative assets, including real estate, cryptocurrency, precious metals, private equity, promissory notes, startup investments, and more. The IRS does restrict certain investments, such as life insurance and collectibles. Our specialists can walk you through what’s eligible.
How is a Self-Directed IRA different from a regular IRA?
A standard IRA typically limits your investments to stocks, bonds, ETFs, and mutual funds offered by a brokerage. A Self-Directed IRA expands your options to include alternative assets. You still receive the same tax advantages, the difference is in the investment choices available to you.
What are the tax advantages of a Self-Directed IRA?
The tax treatment depends on your account type. With a Traditional SDIRA, contributions may be tax-deductible and gains grow tax-deferred until withdrawal. With a Roth SDIRA, contributions are made with after-tax dollars, and qualified withdrawals (including gains) may be completely tax-free.
Can I roll over my 401(k) into a Self-Directed IRA?
Yes. Rolling over a 401(k), 403(b), or another retirement plan into a Retired.com Self-Directed IRA is a straightforward process. When done correctly, it does not trigger taxes or early withdrawal penalties. Our team assists with the entire rollover process.
What fees are associated with a Self-Directed IRA?
Retired.com charges transparent fees for account administration. There are no hidden charges and no fees to roll over an existing retirement account. Full fee details are provided before you commit.
Is my Self-Directed IRA secure?
Yes. Your assets are held with institutional-grade custody and security protocols. Retired.com partners with leading custodians and security providers to keep your retirement investments protected.
*Based on assets under custody across all retired.com consumer brands as of 05/18/2026.
**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.
¹Security, storage and wallet provider may vary based on asset chosen and custody solution available.
Reviews and media mentions listed on this page include those across all Retired.com consumer brands.
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