Self-directed IRA’s still have rules

Self-directing your IRA gives you more control but it does not mean you can invest in anything.

There are clear rules you need to know.

1. Collectibles are off limits. No:

• fine art
• wine
• collectible cars
• rare coins or stamps

If the IRS considers it a “collectible,” your IRA cannot invest in it.

2. Life insurance is not allowed

Your IRA cannot own or invest in life insurance policies.

3. S-Corporations are not eligible

Your IRA cannot be an owner in an S-Corp.

Not because of IRA rules but because S-Corps can only have individual shareholders.

So if you want to invest in a business through your IRA, the structure matters.

In some cases, that business may need to be An LLC or a partnership before your IRA can participate.

Self-directing opens doors, but only if you understand the rules and the structure.

Doing it wrong can create serious tax consequences.

Listen to the full episode #106
“Build Your Wealth Muscle” podcast. Wherever you listen.

related: self directed IRA rules 2026, what IRAs cannot invest in, IRA prohibited investments collectibles life insurance, can IRA invest in S corp, self directed IRA restrictions explained, retirement account investment rules USA

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Видео Self-directed IRA’s still have rules канала Sin City CFO