Have you considered all of your self-investment IRA fund options? Did you know that investing 401k money in real estate is a legal option? Here’s a brief look at some of their investment options and some information on a unique option I recently came across. Hopefully, you will find this information as interesting as I did.

Tip #1: Money Markets, Certificates of Deposit, and Treasury Bills

Currently, the maximum profit potential for these investments is around 4%. The inflation rate in July of this year was 5.6%. The inflation rate has not dropped below 3.98 throughout the year. So basically, as long as we have our money in some bank or in the US treasury, you’re not earning anything.

When we retire, our initial investment will have less purchasing power. So all we’ve managed to do is eke out inflation. In my opinion, there are better options for investing IRA funds for all types of accounts in the real estate market. Even investing 401k money in real estate is a good alternative.

Tip #2-Stock Market Self-Invest IRA Funds or Mutual Funds

What can I say about the stock market, today? It is extremely volatile. Just this week, the Dow Jones industrial average plunged more than 700 points and rallied several hundred points the next day. For many of us, that’s too stressful.

Self-invested IRA funds can be profitable, without being on edge all the time. I have found an investment opportunity that “guarantees” a return on investment. The only investment guarantees are Treasury bills and those protected by the FDIC. How can someone guarantee better performance?

There is a huge and virtually untapped market in this country. You can take advantage of it by investing 401k money in real estate, using a traditional account, a Roth account, your own personal funds, or even your good credit.

I can’t fully explain the market here, but this is a brief description of what market I’m talking about. Over the past two decades, builders have focused on bigger, more expensive homes that the average worker can’t afford. This means that there is a huge potential market for affordable housing. In some areas, people have been waiting 15 years to buy a home. You can probably imagine the profit potential in a market like that.

Tip #3-What is best? Invest 401k money in real estate or choose a traditional account?

To take advantage of investing 401k money in real estate, if you are an employee, you must involve your employer or transfer the funds to a traditional account that offers self-directed investments. If you are self-employed, you may only need to change your custodian.

So really, either option is fine. You may just need a little education before you start investing IRA funds. Some of us experienced investors are willing to share our knowledge and give you a hand.