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What can I invest in with my STRATA self-directed account?

One of the primary advantages of a self-directed IRA (SDIRA) is the ability to invest in a broad range of alternative assets beyond traditional stocks and mutual funds.

While the IRS permits many types of investments, certain asset categories are prohibited. Understanding both permitted and non-permitted investments is essential to maintaining your tax-advantaged status.

Permitted investments

Common self-directed investment options include:

  • Directly owned real estate

  • Private placements

  • Limited partnerships and LLC interests

  • Promissory notes

  • Certain precious metals that meet IRS requirements

For a full overview of eligible asset structures and documentation requirements, visit our Investment Options page.

If you are considering gold, silver, platinum, or palladium, please review our Allowable Precious Metals page for IRS-approved coin and bullion requirements.

Not permitted investments

The IRS prohibits a short list of asset types. Investing in these assets may result in penalties or disqualification of your IRA.

Examples of prohibited investments include:

  • Collectibles
    Artwork, rugs, antiques, stamps, most coins, alcoholic beverages, and other personal property.

  • Certain gemstones and metals
    Except for specific IRS-approved bullion and coins (see Allowable Precious Metals).

  • Life insurance contracts

  • S corporation stock
    IRA ownership may disqualify the entity’s tax status.

For full details, refer to IRS Rules and Regulations. 

Important reminder

STRATA acts as a directed custodian and does not evaluate or endorse investments. You are responsible for selecting and performing due diligence on your investments.

To ensure compliance with IRS rules, consult a qualified tax, legal, or financial professional before investing.