RT
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Max out on a Roth IRA first - then go for the real estate. |
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derek
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A Roth IRA is not an investment. It is an account which you put investments into.
Believe it or not, you can actually invest your IRA money in real estate. |
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charles c
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It depends on a few things like: how much money do you have to invest, do you like rental properties, fixer uppers and flip it, land speculation and more. However, you can make money by appreciation, depreciation, rental income and equity. If you do it right you won't need to worry about IRA, REIT's which in my opinion are ok if you're not in a hurry to see a large profit. |
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stratum corneaum obliques
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a roth IRA is better if you have less money.
Real estate is better if you have a lot.
Why?
There is a limit you can put into a ROTH.
See Senator ROTH who created the option to save your own persoanl disposable income. |
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gregory_dittman
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If you didn't know, you can put real objects into your Roth account. This includes real estate, coins, gold, baseball cards etc. A represent of the person running the Roth will explain how to do it. If you still want to do real estate, without the hassle of contacting a representative, buy REITs or REIT ETFs as you would stocks. |
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Ken
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Max out ALL IRA's first. Then, if there's anything left, consider other investments. |
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Charles F
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Real Estate of course because of the leverage and appreciation. Real Estate takes more effort as you have to treat it like a business where with a Roth IRA you just make a deposit.
Since real estate requires more effort there is an inherent risk. So it would all depend on how much effort you really want to put into the investment. |
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john d
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Roth Ira all the way. You have far more flexibility with a roth than with realestate. With the softening of the housing market, I'm not sure realestate is a good thing to be starting into right now. I'm not even sure buying a house right now is a good idea.
There are more spec homes on the market right now than has been since about 1972. Its turning into a buyers market. Wait about a year it and its going to be a slaughter.
Where as with a roth if you think the sector and what ever that your in, is going to go soft, you can get out and move some place else with a phone call. Beat the hell out of hiring a realestate agent and waiting for escro and titles searches and bla bla bla then of course you need a quilified buyer who really can get financing and who wants your property.
Yeah I like the roth. The tax break you get when you retire, is super on a roth. Yes I know there are tax breaks on realestate too. But I still like the roth. |
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Andrew
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with the real estate market likely to go sour, I would go with a roth but choice your investments in the Roth very carefully. |
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