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GF Email- IRA R3.1 (2)

GROUNDFLOOR Self-Directed IRAs allow investors to benefit from the high returns that GROUNDFLOOR is generating while saving for retirement with the tax benefits of an IRA. Investments made using IRAs complement other retirement savings and income and are important resources for households regardless of income or wealth.

We are waiving all investor fees associated with IRAs through the end of 2023.

$10,000 Minimum Opening Balance

 

Click here to set up your GROUNDFLOOR IRA and begin taking advantage of the high returns real estate debt investments offer with tax-advantaged benefits.


Get Started

GETTING STARTED

SET UP If you have a GROUNDFLOOR account, click here to get started. If you are new to GROUNDFLOOR, sign up at groundfloor.com and choose "Invest with my IRA funds".

CONTRIBUTE Transfer funds from a different retirement plan or deposit funds from your bank account.

INVEST & EARN Earn a tax-advantaged return of 7-14% by creating a portfolio of individual GROUNDFLOOR loans.

WHY INVEST VIA A GROUNDFLOOR IRA

  • Tax Advantaged Returns
  • 7-14% Returns On Your Investment
  • Flexibility: You're in Control
  • All IRA fees are waived through June 2023

 

THE TYPES OF SELF-DIRECTED IRAs

A self-directed retirement account allows you to choose the method for investing your money. The flexibility of IRA accounts allows investors to place money into any asset permitted by the IRS, including traditional and alternative investments, such as GROUNDFLOOR loans.

GROUNDFLOOR allows investors to choose from a variety of IRA plans and select the one that is right for him or her.

 

Fund icon TRADITIONAL IRA

A tax-deferred savings program that allows individuals to invest earned income in a retirement savings account. Traditional IRAs are the most common accounts individuals use to save for their retirement.

 

Fund icon ROTH IRA

ROTH IRA contributions are not tax deductible, however once you are 59 1/2 and the account has been established for a minimum of 5 years, funds can be withdrawn tax-free at any time. To contribute to a ROTH IRA in 2023, you must have a modified adjusted gross income below $138,000 (single) or $218,000 (married filing jointly). 

 

 

Fund icon SEP IRA

A Simplified Employee Pension (SEP) IRA allows self-employed individuals or small business owners employers with a way to make contributions to their employees' retirement. 

Fund icon SIMPLE IRA

A Savings Incentive Match Plan for Employees (SIMPLE) is a tax-favored retirement plan that employers can set up for their employees.

Fund icon ROLLOVER IRA

A Rollover IRA is a traditional IRA that is typically used by those who want to move retirement savings from an employer-issued 401(k) to another retirement plan.

 

GROUNDFLOOR IRA QUESTIONS & ANSWERS

What are the benefits of investing with GROUNDFLOOR via an IRA?
GROUNDFLOOR offers an alternative investment opportunity for investors to build their own portfolios of real estate loans ranging in yield from 5% to 23%. When these assets are held in an IRA, earnings may grow tax-deferred (Traditional IRA) or tax-free (ROTH IRA), helping investors maximize their contribution amounts today while saving for retirement.

 

How do I open a GROUNDFLOOR Self-Directed IRA?
Opening a GROUNDFLOOR IRA account is straightforward. Simply click here to get started or if you already have a GROUNDFLOOR Investor Account, log in and click the top-right section of the page and choose "Open an IRA Account".

 

Are there fees associated with a GROUNDFLOOR IRA account?
Now is a great time to sign up for a GROUNDFLOOR IRA Account! In addition to taking advantage of the tax benefits of investing through an IRA, GROUNDFLOOR will waive all fees associated with IRA accounts through 2023. If/when we do charge investor fees, we will provide all users at least 90 days notice.

 

How can I contribute to my GROUNDFLOOR IRA account?
When you log in to your GROUNDFLOOR IRA account, select "CONTRIBUTE & TRANSFER". Our site will then guide you through the process of transferring funds from an existing IRA custodian, directly contributing funds via check or rolling over funds from an existing retirement plan such as an employer-issued 401(k). Expect 2-4 weeks for contributions to complete.


What else should I consider when investing with my self-directed IRA?
Take the time to familiarize yourself with IRAs as an investment vehicle and consult an advisor to talk about tax, legal and financial benefits and responsibilities. It's great to be hands-on, but you don't want to risk the chance of being penalized for breaking an IRS rule. Stay in control, and stay ahead of your IRA investing, by consulting a subject matter expert.

ABOUT GROUNDFLOOR

Since funding the first GROUNDFLOOR loan in 2014, thousands of individuals have built their own portfolios of loans ranging in yield from 5% to 23%, on terms of 6 to 12 months, starting at a minimum investment of $10 per loan. GROUNDFLOOR earned a historic qualification by the SEC in August 2015 to sell private real estate debt investments to non-accredited investors. The company was founded in 2013 by Brian Dally and Nick Bhargava and is headquartered in Atlanta, Georgia. Our fast-growing team is on a mission to benefit individual and the investments they fund by reformatting and opening private capital markets to broad public participation.  We are democratizing and revolutionizing real estate lending.

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