An individual retirement account (IRA) is a long-term savings plan that you can contribute to and grow your money tax-free or tax-deferred. Individuals contribute funds to the account — typically a set amount each month — and can choose from various investment options to gain returns. The more you contribute, the more funds you may have to enjoy in retirement. At a certain age, you withdraw the funds either tax-free or pay taxes on distributions, depending on the type of IRA you have. Each type has specific income limits, contribution limits, and distribution requirements. We cover IRA limit ..read more

Employers may offer employees two types of retirement plans — qualified and nonqualified. These plans are categorized based on whether they meet the guidelines set by The Employee Retirement Income Security Act (ERISA). Most retirement plans have benefits and tax savings opportunities, but they are not all the same. An individual retirement account (IRA) is an alternative retirement savings plan that almost anyone can contribute to. While a traditional IRA is a nonqualified account, this guide can help you understand what types of accounts and other IRAs are qualified and how to navigate the ..read more

A real estate investment trust (REIT) is a popular option among investors looking for a passive income strategy that can help hedge against inflation. REITs are companies or institutions that buy and manage income-producing properties, such as hotels or retail centers. When you become a shareholder in a REIT, you receive distributions in the form of dividends.  REITs must pay shareholders a minimum of 90% of their taxable income. However, you might be wondering how these dividends will impact your tax liabilities. Generally, dividends are taxable to shareholders at the ordinary income t ..read more

Real estate investment trusts (REITs) are companies that purchase and manage real estate properties. They operate, finance, or own commercial properties, generating income and dispersing it to shareholders as dividends. REITs can allow investors to diversify their portfolios and earn income from multiple properties without the task of managing or purchasing the property themselves. Several types of REITs are available for investment opportunities, including UPREITs and DownREITs. These investments have slight differences that can make them more or less suited for some investors. Many investo ..read more

When you invest, diversifying your portfolio can help you offset wide swings in certain sectors and enable you to hedge against market risk. If your current portfolio heavily consists of stocks and bonds, you can achieve this diversity through real estate investments in a Roth IRA. While you may not instantly think of holding real estate in a retirement account, it can be an ideal opportunity for certain tax advantages and more stability.  One way to invest in real estate is with a real estate investment trust (REIT) within your Roth IRA account. By buying shares in a company that owns ..read more

Edward Fernandez, president and CEO of 1031 Crowdfunding, shares insights in Entrepreneur on how taking strategic risks can attract success and distinguish you from the herd. “Not all risk is the same — as an entrepreneur, it’s important to differentiate between unnecessary risk and calculated risk. Throughout my career, I have developed a strategic approach to risk management. Calculated risk involves making informed decisions in order to increase chances of significant rewards and growth.” Risk is expected in life, especially for an entrepreneur. And it’s been my experience that risk toler ..read more

A real estate investment trust (REIT) is a company that operates or finances real estate that generates income. Many investors commit to REITs hoping to generate passive income. REITs allow for more affordable real estate investments and help investors diversify their portfolios.  REITs are available in several distinctive types, including traded and non-traded. Learning more about these types and their investment requirements assists investors with major financial decisions. What Are the Differences Between Traded and Non-Traded REITs? REITs are companies that purchase and manage real ..read more

Ed Fernandez, President and CEO of 1031 Crowdfunding, speaks with WealthManagement.com editor Elaine Misonzhnik about the launch of the company’s Covenant Senior Housing REIT with a Q&A. “We are just trying to provide an alternative to what’s out there for those investors that are looking for non-correlated assets,” explains Fernandez. We’re pleased to share coverage from Elaine Misonzhnik in WealthManagement.com: Why 1031 Crowdfunding Is Launching its First Private REIT She and Ed discuss the REIT within an extensive Q&A. We’re happy to see this turn into a long inter ..read more

    Edward Fernandez, president and CEO of 1031 Crowdfunding, lends his thoughts to Kiplinger on what a change in accreditation laws would mean for real estate investors. By democratizing access, enhancing the robustness of the investment environment and encouraging a broader range of projects, these changes would herald a new era for real estate development and investment. Recent proposed congressional changes to investor accreditation laws promise to leave a long-term mark on the commercial real estate landscape. Previously, only achievable by having a net income of ove ..read more

Selling your current investment property for a replacement property through a tax-deferred exchange can provide key benefits. However, any proceeds you make on the sale of your investment property will be taxed. With a 1031 exchange, you can defer this taxation and grow your wealth as a real estate investor by exchanging your current investment property for one or more similar properties. A 1031 exchange has many moving parts, and investors must follow all requirements to reap the tax benefits. This guide examines how investors can use a 1031 exchange for multiple properties and the rules in ..read more