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Updated over 4 years ago on . Most recent reply

User Stats

24
Posts
6
Votes
Jesse Hodges
  • Fort Drum, NY
6
Votes |
24
Posts

put cash into Rental Property or Roth IRA?

Jesse Hodges
  • Fort Drum, NY
Posted

For the last few years, I have been maxing out both my wife's and my annual roth IRA contributions with savings from work. I am in my late twenties and think of our IRA as more of a bonus later in life then what I am relying on for our retirement. My goals is to have enough rentals to provide me with cash flow so that an IRA is not really even needed. Should I stop contributing to my IRA and direct that cash into properties? It seems that the main party line in the personal finance world is to max IRA first, then invest in other things with whats left over. I know its a case by case opinion based question but I'm curious what others would think/say about that.

Most Popular Reply

User Stats

861
Posts
821
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Dave Spooner
  • Rental Property Investor
  • Cincinnati, OH
821
Votes |
861
Posts
Dave Spooner
  • Rental Property Investor
  • Cincinnati, OH
Replied

@Jonathan R McLaughlin The 25+ year horizon is key! If you're a short term investor, the risks are exceedingly high. I would recommend transitioning investments from stocks to bonds and lower interest vehicles as you approach your retirement, but that may be a discussion for a different forum...

  • Dave Spooner
  • [email protected]
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