Retirement Accounts · Rule 506(c) · Accredited investors only
If you have an existing IRA or a 401(k) from a previous employer, you may be able to self-direct all or a portion of it into SIMM Capital's investment vehicles — without taking money out of your account.
Book your IRA call
Verified accredited investors only · Rule 506(c)
Why invest your IRA with SIMM Capital
Most retirement accounts hold paper — stocks, bonds, funds of funds. A self-directed account lets that same capital own something tangible, inside the same tax-advantaged wrapper.
Backed by real assets
Your retirement capital is deployed into real estate assets and real-estate-secured credit — not stocks, bonds, or paper instruments.
No early withdrawal required
Invest directly from your IRA or old-employer 401(k) through a qualified custodian — structured as a transfer or rollover, not a withdrawal. Your tax advisor confirms the treatment for your situation.
Cash distributions
Distributions are paid into your retirement account — monthly or quarterly depending on the fund — to the extent available under the fund documents.
Long-term appreciation of real assets held inside a tax-advantaged account compounds without the annual tax drag of a brokerage account. The specifics depend on your account type — traditional or Roth — and your advisor's guidance.
How self-directing works
The process runs through a qualified self-directed custodian — a firm whose business is holding alternative assets inside retirement accounts. We work alongside them; your capital never has to leave the retirement wrapper.
Step one
You open an account with a self-directed custodian and transfer or roll over funds from an existing IRA or old-employer 401(k). Handled custodian-to-custodian, this is not a withdrawal.
Step two
You instruct the custodian to invest in the SIMM Capital fund you've chosen. The custodian executes the subscription; the IRA — not you personally — owns the interest.
Step three
Distributions the fund makes are paid to your custodian and land inside your retirement account, where they can compound or be redeployed.
Don't have a self-directed custodian? Call 412-314-2001 or email invest@simmcapital.com and we'll introduce you to the custodians we work with.
At a glance
Disclaimer: Summary only. Tax treatment depends on your account type and personal circumstances, and certain fund investments can generate taxable income even within a retirement account. SIMM Capital does not provide tax advice — consult your tax advisor and custodian before investing. Each fund's confidential offering documents control in all respects.
Why SIMM
We've spent twenty years buying, building, lending on, and operating real assets through full market cycles. The same funds available to our cash investors are available to self-directed retirement capital.
The same vehicles, the same terms
IRA and 401(k) capital invests in the same SIMM Capital funds as cash investors, on the same terms — real estate equity strategies, residential development, and real-estate-secured private credit. On the call, we match the account you have to the vehicle that fits it.
Source: SIMM Capital. Figures reflect firm-level track record across entities and transactions and are not the results of any single offering. Past performance is not indicative of, and provides no guarantee of, future results.
The team
Founder & Managing Principal, SIMM Capital
Mat has raised and deployed private capital since 2006 and has spent roughly 20 years operating across real estate, manufacturing, and retail. He founded SIMM Capital in 2014 and leads its investment strategy and term negotiations. He's the author of Become Scaleable.
Director of Investor Relations, SIMM Capital
Jason works directly with SIMM Capital's investors. If you book a call, he'll walk you through the funds, the custodian process, and whether self-directing is the right fit for your situation.
Is this for you?
Straight answers
Most commonly: traditional and Roth IRAs transferred to a self-directed custodian, 401(k)s from previous employers rolled into a self-directed IRA, and solo 401(k)s. A current employer's 401(k) generally can't move until you leave that employer. Your custodian and tax advisor confirm what applies to your accounts.
No — that's the point. Handled custodian-to-custodian as a transfer or rollover, the capital stays inside the retirement wrapper the whole way, and the IRA itself becomes the investor in the fund.
A properly executed transfer or rollover between custodians is not a distribution, so it doesn't by itself trigger income tax or the early-withdrawal penalty. Execution matters, and your personal situation matters more — confirm the mechanics with your custodian and tax advisor before moving anything.
Yes. IRAs must be held by a custodian, and most mainstream brokerages won't hold private fund interests. Self-directed custodians specialize in exactly that. If you don't have one, call 412-314-2001 or email invest@simmcapital.com and we'll introduce you to the custodians we work with.
Opening a self-directed account is usually quick; the transfer or rollover from your current custodian is typically the longest step — often a couple of weeks, depending on the firms involved. We and the custodian coordinate the subscription once funds arrive.
To your custodian, into your retirement account — monthly or quarterly depending on the fund, to the extent available under the fund documents. They are not paid to you personally.
Not necessarily. Certain investments — particularly funds that use leverage — can generate taxable income even inside a retirement account. Whether and how that applies depends on the fund and your account. We don't provide tax advice; this is a specific question for your tax advisor, and worth asking before you invest.
Verified accredited investors only, under Rule 506(c) of Regulation D, with a $100,000 minimum. Accreditation verification is handled during subscription.
You'll talk with our team about your account, the custodian process, and which fund fits. If it's a mutual fit, we send the confidential offering documents. We don't send documents to anyone before that conversation.
Note: These answers are general information only and are not investment, legal, or tax advice. Any investment involves risk, including possible loss of principal.