To use a (self directed?) 403b to shelter money for real estate?

[Madeline J.]

What is the best way to shelter money from taxes and saving for future real estate investments? My employer offers a 403b with no match and I'm not sure I should take use it if that's my goal two years from now, or if there is a better way to shelter my savings for the purpose of investing in real estate in approximately 2 years. I am likely interested in using an FHA loan at that time to purchase a fourplex, but am definitely not set on that, as I understand much can change in two years in the market.

Thanks!

Maddie

[George Blower]

@Madeline j

I would continue to maximize your 403b contributions but keep in-mind that you generally won't be able to transfer those funds to an IRA until you either stop working for that employer or reach age 59 1/2.

You can also contribute to an IRA in addition to your 403b and those funds can be self-directed immediately.