All Forum Posts by: Dan Rudolph

I keep my cash in VCSH (Vanguard Short-Term Corporate Bond ETF). It maintains a pretty consistent value while kicking off a yield of just over 2%, so you are at least keeping up with inflation.

VCSH can be bought/sold commission free on TD Ameritrade (requires 30-day hold).

Thanks George.  I continue in my status as a satisfied customer. :-)

I established a solo-401k in 2015 and have been a very satisfied client of mysolo401k.com.  I recently recommended this strategy to a friend of mine and he came back with what he says is a free option at TD Ameritrade.  According to him, TDA provides all the paperwork and acts as custodian of the plan.  Obviously this is attached to a brokerage account at TDA.  All for free.

My question for the community:  What are the pros/cons of this type of free plan versus the type of plan that I am using.

Thanks for your help.

Dmitriy is a self-directed plan provider and knows what he is talking about. If you are interested in pursuing this you will need to select someone like him to help you establish your IRA or solo-401k plan. IMO, solo-401k is preferable if you qualify. I setup my plan with Mark Nolan of www.mysolo401k.net.

You can transfer your 401k to a checkbook-control IRA or solo-401k and invest directly in real estate without doing a cashout. Drawback is that you cannot intermingle your personal funds with your retirement funds. Some say that your personal time and efforts equate to personal funds, and cannot be utilized on the investments which limits you to passive investments.

I keep my cash in VCSH (Vanguard Short-Term Corporate Bond ETF).  It maintains a pretty consistent value while kicking off a yield of just over 2%, so you are at least keeping up with inflation.

VCSH can be bought/sold commission free on TD Ameritrade (requires 30-day hold).

Ahhh ... but am I receiving personal benefits from the other half?  If these were two separate homes I could buy one and have my solo-401k buy the other.  These just happen to share a wall ... and a deed ... and a property tax statement.  Thanks.

Specific Question: Can I pay for half of a duplex using non-qualified dollars, have my solo-401k pay for half, and then live in one side and have my 401k collect rent on the the other half?

Thanks @Jay Hinrichs.  Know any good ones?

I am interested in talking to a realtor about buying into a vacation property co-op in Sunriver.  Recommendations appreciated.  Thanks!