IRA vs SDIRA to help with investing like real estate,S&P500 ETF; SPY

[Gp G.]

Hi,

I gave 2 weeks' resignation to my current employer. I am starting a new job on 07-21-2025. I have about 185k in my W-2 related employer vanguard 401k account. I am considering moving that money out. Some people said IRA is good, some people said SDIRA is good. What are the pros and cons of each? Which companies are good for these IRA and SDIRA options. I like to have less fees and more control, access to money early. I still have around 10 years to reach 59.5 years to claim W-2 related employer 401k money without penalties. What best passive investments options are there. Please advise

[Brett Synicky]

@Gp G.

Take a look at Solo 401k and checkbook IRA.

Solo 401k has a participant loan option.
Ira does not. You could do a 60 day rollover to access the funds but must be put back before the 60 days or it’ll be a distribution. Really no good way to access the funds for personal use until 59.5.