Unlike a traditional or Roth IRA that typically limits you to mutual funds, ETFs and stocks, a self-directed IRA lets you invest in alternative assets like real estate, precious metals or even private startups. Feature Traditional IRA Roth IRA Self-Directed IRA Eligible Investments Stocks, bonds, mutual funds, ETFs Stocks, bonds, mutual funds, ETFs Real estate, precious metals, crypto, private equity, tax liens Tax Treatment Contributions may be deductible; withdrawals taxed Contributions after tax; withdrawals tax-free Same as Traditional or Roth, depending on type RMDs (Required Minimum Distributions) Yes, starting at age 73 None Traditional SDIRA: RMDs at 73; Roth SDIRA: no RMDs Early Withdrawal Penalty 10% before age 59½ (exceptions apply) 10% before age 59½ on earnings (exceptions…