Instant Strategies To Increase Your Roth Ira Rate Of Returns

Just imagine if you could double or even triple the returns from your retirement investments. Sadly, many people believe that 2 to 3 percent is a reasonable Roth IRA rate of returns. If they only knew that by self-directing their account, they could be making a lot more than that without any extra work.

If you don't already have a Roth IRA account and you are eligible for one, you should consider rolling over. Roth IRAs are the best option for those who expect to be in a higher tax bracket after retirement because the money is taxed prior to contribution but not at the time of withdrawal. Keep in mind that the Roth IRA income limit for a single tax payer is $116,000 and $169,000 for a married couple filing jointly.


If you self direct your account, your Roth IRA rate of returns is much higher because you have a wider array of investment options and thus more opportunities to increase your returns. Currently, a small percentage of people self-direct their accounts because a. their banks discourage them to do so, b. they think it requires a lot of extra work, and c. they don't know much about investing and think that automatically disqualifies them.

If you are currently relying on your employer or bank to control your retirement investments, you should consider other alternatives. When the account advisers at your bank or company make decisions for you, you have very little control of what happens and the decisions made are almost always going to benefit them instead of you. If your annual income does not exceed the Roth IRA income limit, consider rolling over to a self-directed Roth IRA so you are in charge of making transactions and controlling your assets.

You might think that if you control your assets, you are going to be solely responsible for every transaction in your account but that is not the case. There are companies set up to help people who want to self-direct their accounts. They can provide experienced and knowledgeable trustees that listen to your wants and then act in your best interests. Basically, you can expect a much higher Roth IRA rate of returns with hardly any extra work!

Believe me, you can get much higher returns from your retirement investments with the right company helping you self-direct your account. Don't let banks decide what's best for your future. Take control of your retirement investments to maximize your returns and secure a comfortable retirement.

By: Laurel Cohen

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Laurel Cohen is an active participant of a national network of professional writers who advocate socially conscious real estate investing through the use of retirement vehicles such as IRAs, 401Ks and other retirement assets. For more information, or to get involved, please visit www.ira-investing-guide.com now.