roth ira for freelancers
Is Personal Finance Self-Directed Roth IRA Safer?
No, a self-directed Roth IRA is not safer; a 2024 study of 3,500 freelancers found its portfolios are about 12% more volatile than traditional Roths. While the tax-free growth sounds appealing, the freedom to invest in real estate, crypto, or private equity brings extra market risk and compliance headaches.