Unlock Your Retirement Capital for Private Real Estate
Diversify away from public equities. Invest your Self-Directed IRA or Solo 401(k) directly into institutional-grade land development and residential construction.
Why Invest Retirement Funds in Real Estate?
Self-Directed IRAs (SDIRAs) and Solo 401(k)s give you the power to invest in alternative assets, combining the tax advantages of retirement accounts with the stability and upside of private real estate.
Tax-Advantaged Growth
Compound your returns tax-free (Roth) or tax-deferred (Traditional). Keep more of your real estate profits working for your future.
True Diversification
Reduce exposure to stock market volatility by allocating capital to hard assets with intrinsic value and durable demand.
Long-Term Alignment
Real estate development horizons perfectly align with retirement timelines, capturing the illiquidity premium for patient capital.
Seamless Execution with Leading Custodians
We have streamlined the investment process for retirement accounts. SIG Fund routinely works with the industry's largest and most respected self-directed custodians to ensure your investment is funded smoothly and remains compliant.
- Equity Trust Company
- Directed IRA
- IRA Financial
- Entrust Group
- STRATA Trust
- Madison Trust
*Don't see your custodian? SIG Fund can work with most established self-directed IRA and Solo 401(k) administrators. Contact us to confirm compatibility.
The Power of Tax-Free Compounding
By avoiding annual taxes on your investment gains, your capital compounds faster. See the difference a Self-Directed IRA can make on your long-term wealth.
* This calculator is for illustrative purposes only and does not represent a guarantee of future performance. Actual returns may vary. Compounding assumes all distributions are reinvested at the target rate.
Tax Savings Calculator
See how much more your capital could grow inside a tax-advantaged Self-Directed IRA versus a standard taxable account.
Show in today's purchasing power
Potential Tax Savings
$37,511
Extra wealth generated by avoiding annual tax drag on your returns.
Year-by-Year Breakdown
| Year | SDIRA Balance | Taxable Balance | Tax Savings |
|---|---|---|---|
| Year 0 | $100,000 | $100,000 | +$0 |
| Year 1 | $107,000 | $104,760 | +$2,240 |
| Year 2 | $114,490 | $109,747 | +$4,743 |
| Year 3 | $122,504 | $114,971 | +$7,533 |
| Year 4 | $131,080 | $120,443 | +$10,637 |
| Year 5 | $140,255 | $126,176 | +$14,079 |
| Year 6 | $150,073 | $132,182 | +$17,891 |
| Year 7 | $160,578 | $138,474 | +$22,104 |
| Year 8 | $171,819 | $145,065 | +$26,754 |
| Year 9 | $183,846 | $151,971 | +$31,875 |
| Year 10 | $196,715 | $159,204 | +$37,511 |
Maximize Your Solo 401(k) Contributions
If you have self-employment income and no full-time employees, a Solo 401(k) offers some of the highest contribution limits of any retirement account—allowing you to build real estate wealth even faster.
* This calculator is for illustrative purposes only and does not represent a guarantee of future performance. Actual returns may vary. Compounding assumes all distributions are reinvested at the target rate.
Solo 401(k) Contribution Limits
Calculate your maximum potential contribution for 2026 based on your business type and income.
2026 Maximum Contribution
Employee Deferral
Up to 100% of comp (max $23k + catch-up)
$24,500
Employer Profit Sharing
~20% of Net Adjusted Profit
$18,588
Total Max Limit
$43,088
*Calculations are estimates based on 2024 IRS limits. Consult a tax professional for exact figures.
How to Invest Your SDIRA
A simple, three-step process to deploy your retirement capital into our current offerings.
Open & Fund Account
Establish an account with a self-directed custodian and roll over funds from your existing IRA or 401(k) tax-free.
Review & Sign
Review the SIG Fund Private Placement Memorandum (PPM) and complete the subscription documents in the name of your IRA.
Direct the Investment
Submit a Direction of Investment (DOI) form to your custodian, instructing them to wire funds directly to the fund.
SDIRA vs. Solo 401(k)
Compare the key differences between the two most popular self-directed retirement vehicles.
* This comparison is for educational purposes only and does not constitute tax, legal, or investment advice. Contribution limits and rules are subject to change. Please consult with your tax advisor or plan administrator.
| Feature | Self-Directed IRA (SDIRA) | Solo 401(k) |
|---|---|---|
| Eligibility | Anyone with earned income | Self-employed individuals with no full-time employees |
| Contribution Limits (2024) | $7,000 (under 50) / $8,000 (50+) | Up to $69,000 (under 50) / $76,500 (50+) |
| Requires an LLC setup | Built-in by default | |
| Subject to UBIT | Exempt from UBIT | |
| Personal Loan Option | Not allowed | Allowed (up to $50k or 50% of balance) |
Frequently Asked Questions
Common questions about investing retirement funds in private real estate.
Ready to Put Your Retirement Capital to Work?
Schedule a call with our investor relations team to discuss your specific account type and learn about our current real estate offerings.
