---
title: Are investments in a self-directed account insured?
description: The cash held in your STRATA custodial account is FDIC-insured up to $250,000, but any other investments held by your IRA are not FDIC-insured, are not guaranteed by STRATA and may lose value.
---
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# Are investments in a self-directed account insured?
Cash held in your custodial account at STRATA is FDIC-insured for coverage up to $250,000. Investments held within your self-directed IRA — such as real estate, private placements, notes, or precious metals — **are not insured**, are not guaranteed by STRATA, and may increase or decrease in value.
STRATA acts as the custodian of your account. We administer the account and provide IRS reporting, but we do not evaluate, endorse, or guarantee any investment you choose.
As with any investment, you assume the risk and potential reward based on the assets you select. Learn more about [investor due diligence](https://www.stratatrust.com/resource-center/protect-yourself/).
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STRATA Trust Company (“STRATA”) performs the duties of a directed (passive) custodian, and as such does not provide due diligence to third parties regarding prospective investments, platforms, sponsors, dealers or service providers. As a custodian, STRATA does not sponsor, endorse or sell any investment and is not affiliated with any investment sponsor, issuer or dealer. STRATA does not provide investment, legal or tax advice. Individuals should consult with their investment, legal or tax professionals for such services.