Self-Directed Roth IRA
A Roth Self-Directed IRA is a tax-advantaged retirement savings account funded with after-tax dollars, allowing tax-free withdrawals in retirement.
Tax Benefits
Tax-Free Growth and Income
Although contributions are after tax, your investments grow tax-free, and qualified withdrawals stay 100% yours in retirement.
Potential Lower Tax Impact
Pay taxes now and position yourself to avoid higher taxes on future retirement income.
Withdrawal Flexibility
Contributions (not earnings) can be withdrawn at any time or any reason without taxes or penalties.
Contributions
Contribution Limits
| AGE GROUP | 2025 Limit | 2026 Limit |
|---|---|---|
| Under Age 50 | $7,000 | $7,500 |
| Over Age 50 | $8,000 | $8,600 |
- The contribution deadline is April 15th
- There are income limits on direct contributions to Roth IRAs, see below:
- 2026 Contribution and Phase Our Range Guide
- Roth IRAs allow for a "back door Roth" contribution for individuals who make too much for a direct contribution
Distributions
- Qualified withdrawals are tax and penalty free once you’re 59½ and have met the 5-year rule
- Certain early withdrawal exceptions (like first-time home purchase) may allow penalty-free access before 59½
- There is no Required Minimum Distribution
Explore Account Types
- Expert Support
Open your Self-Directed Roth
IRA and start investing on your terms.
Types of Self-Directed IRAs
Compare the key differences between IRA Club’s self-directed IRA options in the chart below, including tax treatment, eligibility, and withdrawal rules.
| Self-Directed Investment | Traditional | Roth | SEP | Simple |
|---|---|---|---|---|
| Make any investment that is not a prohibited transaction |
yes
|
yes
|
yes
|
yes
|
| Income Tax Deductible |
yes
|
no
|
yes
|
yes
|
| Must have earned income to make new contributions to an IRA |
yes
|
yes
|
yes
|
yes
|
| Unlimited amount transferrable from one IRA account to another IRA account |
yes
|
yes
|
yes
|
yes
|
|
Unlimited Earning Limits * using a Backdoor Roth |
yes
|
no
|
yes
|
yes
|
| Qualified distributions are taxed as ordinary income |
yes
|
no
|
yes
|
yes
|
| Qualified distributions are income tax-free |
no
|
yes
|
no
|
no
|
|
Annual required minimum distribution |
yes
|
no
|
yes
|
yes
|
| Passes to a beneficiary | As a Traditional IRA account | As a Roth IRA account | As a Traditional IRA account | As a Traditional IRA account |
| Beneficiary can continue to invest the funds in the Inherited IRA |
yes
|
yes
|
yes
|
yes
|
| "Super" catch-up contribution |
no
|
no
|
no
|
no
|
|
Subject to probate * No, if there is a named beneficiary |
no
|
no
|
no
|
no
|
Learn more about the other types of self-directed accounts we offer, or schedule a consultation with an IRA expert today.
Why Trust IRA Club?
Expert Guidance
Each client receives an IRA Club representative to ensure your account remains compliant.
Proactive Updates
Stay informed about regulatory changes and best practices to safeguard your assets.
Peace of Mind
Flat fees and clear communication. With our team on your side, you can focus on building your financial future without worrying about hidden costs or the fine print.
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FAQs
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