Investing with an IRA or 401(k)?

How to invest with a self-directed IRA or rollover your funds from a company-sponsored 401(k)

Self-directed IRA’s are an efficient way to save money for retirement. Since many investors with stREITwise also have a self-directed IRA, we want to be able to provide an easy way to invest in real estate with us through this method.

Depending on the type of IRA account and custodian, stREITwise is compatible with most financial services out there for self-directed IRA’s. See below for answers how to invest with a self-directed, who to use as a self-directed IRA, how to invest with a 401(k), how to reinvest, and more.

Questions about Self-Directed IRA's and 401(k)s

What self-directed IRA's is stREITwise partnered with?

We don’t have any exclusivity contracts with any particular IRA custodians which allows us to accept investors from almost any self-directed IRA company that you may hold an account in. The following companies we’ve worked with in the past:

Note: If you have an account that isn’t listed, stREITwise will likely need to go through a short approval process before you can invest your IRA in stREITwise. This is typically an easy process with just a few days turnover.

 

What fees will I pay as an IRA holder?

To invest in stREITwise, the fees are the same as any other holder. You will pay a flat fee of 3% up-front and 2% annual regardless if you’re an individual investor or self-directed IRA holder.

Fees to invest in stREITwise with your self-directed IRA vary based on your custodian. To find out the fees reach out to your custodian rep. For example: Millenium Trust Company charges a $75 annual fee to hold a Public Non-Traded REIT such as stREITwise.

I have a 401(k) and not an IRA. How do I invest?

If you have a 401(k) plan with an employer, we recommend that you rollover your funds into a self-directed IRA first. We recommend reaching out to one of the companies listed to set up an account first and then proceed to the steps below to get started.

If you’d like to try your 401(k) without rolling over, connect your 401(k) custodian with us and we can attempt to get approved on their platform. Not all custodians we are approved with.

My self-directed IRA is ready and I've been approved to invest in stREITwise. How do I proceed?

If you’re a self-directed IRA holder in a custodian listed before or you already reached out to us and got stREITwise approved, now you can proceed to investing.

Steps to Get Started:

  1. Go to the Start Investing page and click the Invest Today button.
  2. A popup will appear. Fill out your name, email, select a Self-Directed IRA or 401(k) option, how much you wish to invest, and then Wire transfer. Click Next.
  3. Fill out your personal information as well as custodian information and submit your investment.
  4. Wire instructions will be sent to your email address. Make sure you receive this or check your junk folder.
  5. Forward these instructions to your IRA custodian with the note that you want funds wired to stREITwise based on the instructions in the email.
  6. Reach out to us and let us know that the process has begun.
  7. Once funds are received, then you will become an investor once through the Investor Timeline which may take 2-3 weeks. You’ll then receive a login to the Investor Center in your email.

How do I reinvest in stREITwise once I'm an investor?

To add more funds from your IRA you will not add funds from your Investor Center like a regular individual investor would but from the Start Investing page like you originally made your first investment via wire payment. You will need to perform the following steps:

    1. Go to the Start Investing page and complete another investment like you did with your original investment
      1. If you’re using ACH – the account will be processed and your funds will be added to your account as long as the information you used to sign up is the same.
      2. If you don’t have an ACH number, invest using Wire payment. Let us know via email that you intend to add more funds with your IRA and we will forward over your Subscription Agreement, which will be sent to your custodian along with your bank wire or check information.
      3. Let us know via email that you intend to add more funds with your IRA and we will forward over your Subscription Agreement and wire payment (or check payment) information. Payment information will also be emailed to you automatically.
      4. Send this agreement and payment information to your custodian.

How do I enroll in the Dividend Reinvestment Program?

As an IRA investor, you will not be able to enroll in the Dividend Reinvestment Program from your Start Investing like traditional investors can but it is still possible to enroll. Fill out this form authorizing your account to be signed up for the Dividend Reinvesting Plan and email us this form. We will have our ComputerShare reps directly enroll you.

I'm having issues getting access to my account as an IRA holder. How do I get access?

As an IRA holder investing in stREITwise, you will need a pin number that will be sent to your custodian’s address to login. If your custodian has not received this pin within 2-3 weeks of making your initial investment, please email us and we will process a pin to be emailed to you directly from Computershare.

Want to learn more before investing?

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