Yes you can purchase California Land in your IRA or 401(k)!
You can roll your IRA (traditional, SEP, Simple, or Roth) as well as some qualified 401(k), Solo 401(K) and 403(b), etc. into carefully selected California land. Carefully chosen California real estate is proven to be a particularly safe and rewarding long-term appreciation strategy.
What is carefully selected land? It is pre-developed land in the growth path of a major metropolitan area. California has a current population of approximately 37 million. More than one in five Americans lives in California. More importantly it continues to grow at rate of 500,000 annually and is projected to reach 40 million by 2013. It has predictable future growth based on the demographics of the area. Historically, land has produced the best long-term appreciation among the alternatives available for retirement plans.
Why Use Your IRA
The whole idea behind qualified retirement plans and IRAs is to give people incentive to save for retirement. Tax deferral is a powerful benefit because it allows you to invest money that would otherwise have to be paid out in taxes each year, thus enabling you to build your retirement fund that much faster.
The overwhelming majority of America’s millionaires built their wealth in real estate. ACE Capital Group has developed a proven formula that has helped thousands of people secure a better retirement using their IRA’s to acquire select California real estate. The first step to maximizing your IRA is to gain more control over it. If you already don’t have a Self-directed IRA you need to identify one and transfer your employer-sponsored plan into it. There are plan administrators that specialize in owning real estate in your IRA.
The rules for rolling over your IRA are not complicated, but there are lots of them, so professional advice is recommended. We suggest checking out the ACE Professional Network. Some of the rules deal with how to do the rollover itself; some pertain to the type of investments within the IRA; and some rules relate to how and when you can and must take distributions from your IRA.
Maximizing Your IRA
The investment returns earned by your IRA assets will determine the size of your nest egg at retirement. For example, if you roll over $25,000 when you’re 35 and invest it at a fixed rate of, say, 5% compounded annually, you would have close to $80,600 when you turn 60. But if you invest in a growth vehicle that averages 15%, you’d end up with nearly nine times as much, over $716,000, even if you never add another penny to the account.
And if the stakes are bigger the difference is even more dramatic. ACE has had multitudes of customer’s realize 20%, 30% and even over 40% annual returns. Now, these numbers are provided as an illustration only; your investment returns could be very different, and it must be remembered that required minimum distributions at age 70-1/2 would begin to diminish the IRA. The point is that you should pay close attention to how your IRA assets are invested because it could make a big difference in your comfort level in retirement. Putting Together a Well-balanced Portfolio
If you have been personally managing your 401(k) account or other retirement plan, you are familiar with the concept of asset allocation and diversification. By investing retirement funds in several non-correlated asset classes, you have most of the bases covered. You don’t need to worry about choosing the “right” asset class because you have a little money in each. If one asset class falls in value, the effect on your overall portfolio should be negligible because your money is spread among several different asset classes.
At the same time, it often makes sense to adjust portfolio holdings along with changes in the outlook for the markets and the economy. This is called tactical asset allocation. Rather than sticking with the same allocations year in and year out regardless of what the markets are doing, investments get channeled where opportunities are more attractive. You’re still diversified across asset classes, but the weightings change based on the outlook.
However, tactical asset allocation requires a little more attention than ACE’s Land Banking long-term appreciation strategy which you can purchase-and-forget, buy-and-hold, and is not as active (or risky) as a market timing strategy. However, land is not a readily liquid asset and may require consider time to sale or transfer.
Prohibited IRA Investments
The IRA does not prohibit the acquisition of land as an IRA asset, but has defined a number of prohibited transactions which are simply not allowed in IRA accounts. If an IRA holder does engage in a prohibited transaction, the amount will be considered a distribution, subject to taxes and applicable penalties. Here are some of the items you can’t invest in with your IRA:
Art Rugs Antiques Metals Gems Jewelry Stamps Coins Alcoholic beverages including wine Certain other tangible personal property One exception to the no-collectibles rule is that your IRA can invest in gold or silver coins minted by the Treasury Department and in certain gold, silver, palladium, and platinum bullion. In addition, the following are examples of prohibited transactions concerning your IRA:
Borrowing money from it Selling property to it Receiving unreasonable compensation for managing it Using it as security for a loan Buying property for personal use (present or future) The whole idea behind prohibited transactions is to preserve the spirit of the IRA, which is to save for retirement and get a tax break for doing so. The IRS doesn’t want people using their IRAs to escape taxes on personal and business transactions, which is just common sense. Beyond these few restrictions, however, you are free to invest your IRA in a way that will help you grow your nest egg in accordance with your risk tolerance and time horizon.
Land Banking is a safe and reliable alternative to build personal wealth and secure a better retirement using your 401(k) or IRA funds. For more information Contact Joseph Greenwald our Land Banking Representative.
Your ACE Capital Group Representative
415-346---2783
ACE Capital Group’s product is carefully selected California real estate in the growth path of major metropolitan centers. We have helped create programs that give our customer’s greater ability not only to purchase our product but provide them with greater control and opportunity to build personal wealth through real estate.
Buyers of our product receive fee simple title ownership (recorded grant deed), certificate of compliance and insured title. The buyers have absolute control over their properties. We do not sell REITs (real estate investment trust - a stock investment where buyers do not have control).
We currently focus our resources on the Antelope Valley, within 60 miles east of down downtown LA, because we know that California is the most desired place to live in the US. In California, Los Angeles County is the most populous, and therefore the most highly desired, place to live and work, but Los Angeles County is running out of places to grow. The Antelope Valley has the current solution to a future problem: an abundance water, energy and relatively inexpensive and affordable land. The Antelope Valley comprises of over 3,000 acres and 49% of all the land in Los Angeles County. Therefore, we believe property in the Antelope Valley is perfect for our land banking formula!
Our Services
One of our most valued services that we offer is Tenancy In Common to enable our buyers to purchase property that they could NOT otherwise afford. Multiple owners may form their own LLCs or Partnerships to enhance their buying power to acquire higher valued properties or more acres from us. All Tenant In Common owners receive fee simple ownership and title insurance.
We work closely with third party trust companies, administrators, or actuaries in helping you roll over your self-directed IRA, 401(k) and solo/small business pension plans, including unbundled defined benefit plans into real estate. These third party custodians also provide annual reporting functions and manage property tax matters among cotenants.
We require no deposit. Therefore, there is no financial obligation until closing of escrow. In addition to our core product and services we provide education and support for the ACE Professional Network, the larger financial and real estate community and their customers with seminars, materials and opportunities on land banking, retirement and estate planning.
A Profile of the Average Retiree Over Age 65
* 30% are partially dependent on charity
* 45% are partially dependent on relatives
* 23% are still working
* 02% are self-sufficient
Which category will you be in?
Nine out of ten Americans depend on Social Security upon retirement, averaging ONLY $13,500 PER YEAR!
Is that enough for you? Can you really afford to retire?
How Much Income Will You Need Every Month When You Retire?
If you wish to receive $5,000 per month after taxes, you need $80,000 per year gross, guaranteed income for the rest of your life. That means you need $2,000,000 cash in government securities at retirement, offering a 4% return.
Do you have a plan? Is it possible to achieve?
For more information, please call Joseph Greenwald at 415-346---2783 or e-mail:
For a more thorough study of the benefits of Land Banking with ACE Capital Group, please go to the main website and be sure to mention that Joseph Greenwald referred you. The website is:
A CD yielding a 5% return per year*
------------------------$60,165
A Mutual Fund yielding a 10% return per year*
-----------------------$138,998
California Land yielding a 30% return per year*
-----------------------$2,811,385
*Note: These are for illustration purposes only and do not reflect any specific returns.
Did you know the cost of a college education in the next 18 years is estimated to be between $600,000 and $1,000,000?
It is not too late, but time is wasting. Open a safe and secure Land Banking account for your child's or grandchildren's education today. Real estate is available from as low as $10,000.
Ask Joseph Greenwald, one of our Independent Real Estate Professionals, to assist YOU in building YOUR personal WEALTH for:
* all important piece of mind
* an independent retirement
* opportunity to give generously
* a legacy for your children
* your grandchildren's education
---Joseph Parkos
"We used $27,000 and 14 months later sold for $78,000...an increase of 12% per month---that is a 180% return on the original purchase!"
---Robert Berini and Nancy Sanzone
"We turned $90,000 into $1,125,000 in just over 10 years. That is an increase of over 12.5 times on our original investments."
---Robert Simmons
"If anyone questions your ability to provide the best long-term appreciation available today, have them call us."
---Ravi Bulchandani
To see how your ACE Capital Representative scored two ACES on California Land, please click on the following websites: