SDIRAs – A Smart Move for Retirement Savers Ages 40+
Are you 40+ and wondering if you’re doing enough to secure your retirement? If you’re looking for a smarter, more flexible way to grow your retirement savings, a Self-Directed IRA (SDIRA) might be exactly what you need.
Unlike traditional IRAs limited to stocks, bonds, and mutual funds, SDIRAs give you the power to invest in real estate, private equity, precious metals, cryptocurrency, and more—all with tax-advantaged potential.
At uDirect IRA Services, we help you take control of your retirement strategy. Here’s everything you need to know about setting up a self-directed IRA, what you can invest in, and how to avoid common mistakes.
What Is a Self-Directed IRA?
A Self-Directed IRA is a retirement account that allows you to invest in a wide range of non-traditional assets. It follows the same tax rules as traditional or Roth IRAs, but offers much greater flexibility.
Most retirement investors don’t realize they’re allowed to use their IRA funds to invest in:
- Real estate
- Private placements
- Tax liens
- Private lending (notes)
- Cryptocurrency
- Precious metals (with IRS-approved custodians)
That’s where uDirect IRA Services comes in—we make it easy to open, fund, and invest through your SDIRA.
Why More Investors Ages 40+ Are Opening SDIRAs
People in their 40s and 50s are in a unique financial position: they’ve accumulated savings, have equity or experience in business and real estate, and still have 10–25 years until retirement.
Here’s why this demographic is turning to self-directed IRAs:
- Portfolio Diversification: Move beyond Wall Street and invest in what you know.
- Inflation Protection: Real estate and precious metals are popular hedges.
- Control & Transparency: You choose the asset, you control the terms.
- Tax Advantages: Defer taxes or enjoy tax-free growth with Roth SDIRAs.
How to Start a Self-Directed IRA in 3 Simple Steps
Setting up your SDIRA is easier than you think. At uDirect, we simplify the process:
- Open – Open your SDIRA account with us online or by phone. Choose between a Traditional, Roth, SEP, or SIMPLE SDIRA—based on your income and tax strategy.
- Fund – You can fund your SDIRA by:
- Making a new contribution
- Rolling over a 401(k) from a former employer
- Transferring from an existing IRA
We’ll guide you every step of the way and make sure everything stays tax-deferred or tax-free (depending on the type of IRA).
- Invest –Once funded, you can invest in the asset of your choice. We handle the recordkeeping and reporting while you focus on growing your retirement nest egg.
What Can You Invest in with a SDIRA?
The IRS allows a wide variety of alternative investments in an SDIRA. Some of the most popular among our clients include:
- Rental Real Estate – single-family, multifamily, or commercial
- Private Loans – lend money to real estate investors or businesses
- Private Equity & Startups – invest in early-stage companies or syndications
- Precious Metals – gold, silver, and other approved metals
- Cryptocurrency – Bitcoin, Ethereum, and other digital assets
Note: There are a few prohibited transactions and disqualified persons to be aware of. That’s why our expert team is here to keep your account compliant.
Why Choose uDirect IRA Services?
Since 2009, we’ve helped thousands of investors take control of their retirement future. As a trusted SDIRA administrator, uDirect IRA Services is known for:
- White-glove support from real people who know the rules
- Streamlined online process for opening and managing your account
- Fast funding turnaround so you don’t miss time-sensitive deals
- Educational resources including webinars, podcasts, and investor guides
We don’t offer financial advice—but we give you the tools and support to invest your way.
Ready to Take Control of Your Retirement?
Whether you want to invest in real estate, crypto, or private companies, we can help you get started with a self-directed IRA.
📞 Call us today at (866) 447-6598
📧 Email us at info@uDirectIRA.com
🌐 Visit www.uDirectIRA.com
Let’s make your retirement investing work for you—not just Wall Street.
