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What are the Different Types of IRA Investments?


The law allows IRA investments to be a wide variety of things. Investments in individual retirement accounts can be traditional stocks and bonds, but also mutual funds, commodities and real estate. IRA investments may be handled by a financial adviser or by the person themselves. In the case where the owner of the account handles their own investments, this is known as a self-directed IRA. Before looking at what can be included as part of IRA investments, it may be beneficial to look at a few things the law does not allow to be included. Life insurance, S corporations and collectible options such as gems, cards and coins are all off limits. Still, even with these limitations, there are a number of other things that can constitute IRA investments, some of which may be surprising to some people. Mutual funds are, perhaps, the most popular types of investments for IRA accounts. Those who want to build up a large reserve of cash when they retire, yet protect themselves against drastic loss

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