Self-Directed IRA
Definition
A self-directed IRA is an individual retirement account that allows investments beyond stocks and bonds, including precious metals, real estate, and private equity. It uses a specialized custodian and gives the account holder full responsibility for investment decisions. The IRS does not limit IRA investments to conventional assets — but most mainstream brokerages only offer stocks, bonds, and mutual funds. A self-directed IRA removes that restriction.
Why It Matters for Gold IRA Investors
Every Gold IRA is technically a self-directed IRA. Understanding this structure helps you see that Gold IRAs are not a separate account type — they are a specific use of a self-directed IRA, with the same rules and responsibilities.