This wouldn't fly. Sorry..

You need to talk to specialists at the company that handles these type investments. There are ways to do things you just don't know yet.

Jason,

Call my guy Mike Todd.

AS I INDERSTAND...

401k Roth is much easier than IRA Roth.

IRA: Your max contribution for 2018 from your EARNED INCOME is $5500.

Until April 15, 2019,you can make your 2018 contribution.

Your max contribution for 2019 is $6000.

And until April 15, 2020 you can make your 2019 contribution.

So...today, you can comtribute $5500 + $6000 = $11,500.

At 50,just around the corner, the amounts go up by $1000

401k Roth allows MUCH MUCH larger contributions depending on what plans are available for your situation. I have been trained that if you make a mistake the IRS only penalizes that transaction not the entire account as is the case with an IRA. A $1 mistake can wipe out a million dollar IRA.

There are many ways to use a smaller account as leverage to make money in RE. Run them past Mike. You don’t have to OWN the property to make money on it. And the account can borrow money.

Example: the account puts a little down to buy a property on land contract and flip it.

Each deal can be less profitable than “normal” because the account will not be paying 30-50% in taxes.

Go for it!

"from what little I know..."

Take the time to educate yourself. You can buy property in a Roth, you can even use your money in the Roth for a down payment and borrow the rest, but then you're subject to UBIT and can't work on it at all. This is a fairly complex subject that you need to put some study time into. IRA Innovations will send you a free book that's pretty good.

Jason, as you understand your annual IRA contributions are capped.

As far as tax advantaged contributions go you could consider annuities, but you need to do a lot of research on these. Many are very expensive/have a lot of fees and stipulations attached. You could check with a trusted fund company and see what they offer.

Another option for unlimited contributions would be into a fund made to pay minimum taxes each year (often referred to as "Tax Managed" or something similar to that. They tend to hold stocks and other investments with very little annual turnover, thus causing very small taxable gains in any year.

You can also consider municipal bonds, etc. Lots of options to you to minimize taxes. If you happen to have a trusted financial planner you can talk to they can help. You would likely be better off looking for a "Fee Only" planner near you (stay away from the commissioned sales people).

I'm late to the party, as usual! I'll echo JB(OR) concerning municipal bonds. I have PA munis through Vanguard (VPALX). Last year, the nearly $4,000 in dividends was completely PA and Federal tax-free, keeping me from losing about 15% of that to tax. While the average percentage increase isn't huge (I've averaged 3.4% over 3.5 years), the tax-free feature means that the amount does not get reduced UNLESS I sell (or Vanguard sells within the fund) and see capital gains.

FWIW.