Self Directed IRA Investment Funds

[Jason Piccolo]

Does anyone know if there is a way to combine the Roth IRA, traditional IRA and rollover IRA money from my fidelity retirement account to invest in a single multifamily commercial deal. I know the IRS has these as separate accounts for a reason, so I was not sure if you can commingle these funds together for a single investment?

[Dmitriy Fomichenko]

Jason,

You can set up a self-directed Traditional IRA and combine your rollover and traditional IRAs into one. Since Roth IRA is post-tax it would have to stay separate, you will need separate self-directed Roth IRA for those funds.

[Jason Piccolo]

Dmitriy Fomichenko Thanks for the reply. I am assuming that once my Roth self directed IRA is set up I cannot use those Roth funds on the same commercial investment as my traditional self directed Ira funds?

[Brian Eastman]

@Jason Piccolo

It is possible to joint venture multiple IRA plans into a single investment. It, however, becomes more complex and expensive than just using one account. So, what is possible and what makes sense may or may not align in such cases.

[Jason Piccolo]

Brian Eastman Ok, thanks for letting me know.