Jim’s Corner


The Power of a Self Directed IRA

'Tax Efficent'.At first glance, it's hardly an exciting term is it?! But many CalTier investors are enjoying the tax-efficient benefits that a Self Directed IRA (SDIRA) provides. What are they?There are a number of features that many people enjoy with a Self Directed IRA: Diversification - With a Self Directed IRA you can invest in alternative investments like Art, Crypto, Startups and of course Real Estate! Tax Efficiency - Often the gains made within a Self Directed IRA are tax free* Roll Over - You can often 'roll over' your IRA, 401(k) and 401(b) funds to maximize retirement gains Speed - ...

April 7th, 2023|

Maximizing Annual IRA Contributions – 2021 & 2022

At CalTier, we are experiencing tremendous growth with investors joining our CalTier Multifamily Fund. We are even more excited that a significant sector of these investors are taking advantage of investing in a tax-efficient manner with our CalTier “No Fee” IRA.* We have received many questions on how to fund an IRA, and what are the annual contribution limits. Today, we will discuss the contribution limits for both 2021 and 2022; the good news is that you can still make a 2021 contribution up until April 15, 2022. Traditional IRAs A traditional IRA allows you to deduct your contribution from ...

March 4th, 2022|

Death of the 60/40 Portfolio Allocation?

The other week we talked about the necessity for an Investor to have the right mindset for investing. As in life, we experience disappointments and failures, but it is how we respond (and learn) from these experiences determine our ultimate growth and successes. “Sometimes we win, sometimes we learn”. Next in the series will be the discussion on having the right mix of asset allocation and diversification in our portfolio to achieve a solid return while minimizing the risks of loss. Lately, many articles are talking about the death of the 60/40 portfolio, a construct of 60% equities and 40% ...

February 23rd, 2022|

Do you have the Right Mindset for Investing in Alternative Assets?

    Last week, I began the CalTier series with “Are Alternative Assets right for your portfolio?” with the premise that the average investor misunderstands alternatives. Rightly or wrongly, they may be hesitant because of potential risks, illiquidity, or lack of access or understanding. This week’s article will address a more basic fundamental, yet perhaps the biggest challenge for both the investor and the Advisor, which is the mindset. In my 30+ years of working with investors, I have learned that most, if not all, investment decisions are made emotionally, not logically. Early on, I remember presenting the new Merrill ...

January 25th, 2022|

Are Alternative Assets Right for Your Portfolio?

  Alternative investments have been steadily growing in popularity over the last several years due to technology and changes in the regulation of securities. The term “alternative assets” can be used to describe the broad range of vehicles available that are designed primarily to mitigate risk and manage volatility. Until recently, they have been considered investment tools for the ultra-wealthy and included such asset classes as private equity and debt, real estate, precious metals, and more. Today, the everyday investor can now invest in many forms of real estate, startups, cryptocurrency, and hundreds of new asset classes. The average investor ...

January 14th, 2022|