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Steven Gralow's profile image
Steven Gralow's profile image
Steven Gralow
  • from Ramsey, NJ
  • Member since Aug 28, 2019

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Steven Gralow's profile image
Steven Gralow's profile image
Steven Gralow
  • from Ramsey, NJ
  • Member since Aug 28, 2019
Steven Gralow
  • Ramsey, NJ
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Tax, SDIRAs & Cost Segregation

More Cost Effective Withdrawl: Vanguard Roth IRA vs individual

Steven Gralow
  • Ramsey, NJ
Posted

Which would be the more cost effective account in order to withdraw the most amount of money and be taxed the least for real estate withdrawals? Would it be a Roth IRA or individual brokerage account?

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Ashish Acharya's profile image
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Ashish Acharya

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Ashish Acharya
Ashish Acharya
#2 Real Estate Success Stories Contributor
  • CPA, CFP®, PFS
  • FL
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Ashish Acharya
#2 Real Estate Success Stories Contributor
  • CPA, CFP®, PFS
  • FL
Replied
Originally posted by @Steven Gralow:

Which would be the more cost effective account in order to withdraw the most amount of money and be taxed the least for real estate withdrawals? Would it be a Roth IRA or individual brokerage account?

Steven, that is a wrong strategy. 

Roth has restrictions. Generally, you have to have an account for at least 5 years and be of 59.5 years old for tax free withdrawal if there are no rollovers.  Your contribution are always tax and penalty free to withdraw. 

Traditional IRA are both taxable and subject to penalty if you withdraw before 59.5.

Withdrawing from IRA to invest in the RE is not a good strategy. Why not self direct IRA to invest in the RE?

Search here about the self directed IRAs. That might be what you are looking for. 

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