Self-Directed IRAs
Self-Directed IRA holders are uniquely positioned for one of the most compelling alternative fixed-income opportunities in affordable housing — 9–15% annual returns, third-party verified impact, and real asset backing.
What Is a Self-Directed IRA?
A Self-Directed IRA (SD IRA) is a type of Individual Retirement Account that gives you complete control over where your retirement savings are invested — far beyond the stocks, bonds, and mutual funds available in conventional IRAs.
With an SD IRA, you can invest in real estate, private placements, promissory notes, tax liens, precious metals, and more — all within a tax-advantaged structure that allows your gains to grow tax-deferred (Traditional IRA) or tax-free (Roth IRA).
The SD IRA Market Today
- $50 billion+ is currently held in self-directed IRAs in the U.S., with the market growing rapidly as investors seek alternatives to volatile equity markets.
- Only ~2–5% of total IRA assets are in self-directed accounts today — a massive untapped opportunity.
- Real estate is consistently the #1 alternative asset held in SD IRAs, and real estate-backed bonds represent a natural, lower-complexity entry point.
Six Reasons SD IRA Investors Choose Proactive
9–15% Annual Returns. SD IRA holders typically struggle to find fixed-income alternatives beyond 4–5% CDs or money markets. Proactive Sustainable Bonds offer a compelling yield for tax-advantaged retirement accounts where compounding is maximized.
Real Asset Backing. Unlike stocks or mutual funds, our bonds are backed by real, cash-flowing affordable housing communities. Tangible real estate collateral provides a layer of security.
Fixed-Income Structure. Our bond structure delivers consistent, scheduled payments — making it easy to plan distributions, reinvest earnings tax-deferred, and project your retirement income with confidence.
Third-Party Verified Impact. Verified by Morningstar Sustainalytics, BlueMark, and the Impact Evaluation Lab — ensuring your retirement savings work for both your financial future and your community.
Measurable Social Goals. From No Poverty (SDG 1) to Sustainable Cities (SDG 11), our portfolio directly addresses critical social goals.
Diversification Beyond Wall Street. A portfolio of affordable housing communities across multiple states offers geographic and asset-class diversification unavailable through traditional retirement vehicles.
How to Invest Through Your SD IRA
- Verify Accredited Investor Status. Confirm your status based on income, net worth, or professional certification requirements.
- Engage a Qualified SD IRA Custodian. Work with a custodian (such as Equity Trust, Midland IRA, or similar) who allows alternative investments like private placements and bonds.
- Schedule a Call with Proactive Realty Group. We'll walk you through the structure, available bond tiers, and how to direct your custodian.
- Direct Investment Through Your Custodian. Your custodian will handle the paperwork and fund the investment from your retirement account, keeping all gains tax-advantaged.