Common questions about self-directed IRAs.

What is a self-directed IRA?: It's an IRA that lets you invest in more than just stocks and funds, things like real estate, private companies, and notes. You choose the investments; a custodian like Asset Trust holds them for your account.
What can I hold in a self-directed IRA?: A wide range of assets, including real estate, private notes, and more. There are a few things the IRS won't allow, so it's worth knowing the rules before you invest.
Does Asset Trust choose or recommend investments?: Never. We're a passive custodian. You make every investment decision and give us written direction, and we act on it. We don't give investment, tax, or legal advice.
Is my money guaranteed or protected from loss?: No. We hold your assets securely in your account's name and handle the paperwork. We don't guarantee their market value. The investments are your choice, and their performance is up to the market.
Does anyone vet my investment before I make it?: No, and this surprises people. The IRS does not approve IRA investments, and a passive custodian doesn't investigate whether an investment is legitimate. That diligence is yours to do, so it's worth knowing what to check before you commit funds.
What are prohibited transactions and disqualified persons?: These are IRS rules about who your IRA can and can't do business with (for example, you and close family). Breaking them can be costly, so they're worth understanding up front.
What actually happens if I break one of those rules?: The IRS can treat your entire IRA as distributed as of January 1st of that year, not just the part involved. That means the full balance becomes taxable income, plus a 10% penalty if you're under 59½. Intent doesn't matter, so it's worth reading the details.
How much does it cost?: One flat annual fee of $375, includes setup and your first 3 assets. We never take a percentage of your account value. A few specific transactions have small, clearly listed fees.
How do I move an existing IRA to Asset Trust?: You can transfer an existing IRA or roll over a retirement account to us. We handle the paperwork with your current custodian and walk you through each step.
Do you have a referral program?: Yes. Refer a friend, and when they open an account we credit $50 toward your next annual fee. It's a fee credit rather than a cash payment, which keeps everyone clear of IRS rules.

Open your account.

Set up your self-directed IRA with Asset Trust. Talk to a real person and we'll walk you through every step.

Open an account (505) 405-2710