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 most self-directed IRA custodians that you may hold an account in. The following custodians 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.

You may pay separate fees with your custodian. To find out the fees reach out to your custodian rep.

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.

How do I invest with my self-directed IRA?

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. Email us and let us know you intend to add more funds through your custodian. We will send you a subscription agreement as well as any other forms your specific custodian may need.
  6. Forward these instructions and subscription agreement to your IRA custodian with the note that you want funds wired to 1st stREIT Office Inc.
  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 with my IRA?

To add more funds from your IRA, you will add more funds the same way you originally invested by generating a subscription agreement on the Start Investing page and having your custodian wire funds over again. Here are the steps in detail:

  1. Go to the Start Investing page and click the Invest Today button.
  2. A popup will appear. Fill out your name, email (make sure this is the same email you originally used!), 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. Reach out to us and let us know you intend to add more funds through your custodian. We will send you a subscription agreement as well as any other forms your specific custodian may need.
  6. Forward these instructions and subscription agreement to your IRA custodian with the note that you want funds wired to 1st stREIT Office Inc.
  7. Once funds are received, they will be processed into additional shares to your account. The entire process may take 2-3 weeks to be processed before the additional shares show up in your account.

How do I enroll in the Dividend Reinvestment Program?

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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