When I talk with new investors, this question always comes up within the first five minutes. Most people have the bulk of their net worth tied up in retirement accounts, yet they feel restricted to the stock market. They want real estate exposure but assume utilizing their IRA is a bureaucratic nightmare.
The short answer is: Yes, you absolutely can. And it is much easier than the big brokerage firms want you to believe.
The Investment Structure
To invest in a private fund like Fidelis using retirement funds, you simply utilize a Self-Directed IRA (SDIRA).
Standard custodians limit you to stocks and bonds. A Self-Directed custodian allows “alternative assets,” including real estate. The process is three steps:
- Open a Self-Directed IRA with a specialized custodian.
- Transfer funds from your current plan (tax-free).
- Direct the custodian to invest in Fidelis Private Fund.
You aren’t the landlord; you are the bank. The Fund pays the interest directly back into your IRA, maintaining the tax-deferred (or tax-free) status of that money.
The Fidelis Benefit
Why do investors choose this route with us? Simplicity.
Direct ownership of physical property inside an IRA is a compliance minefield. If you accidentally pay for a water heater with personal cash, you’ve violated IRS rules.
When you invest in Fidelis, you get the yield of real estate without the operational risk. We handle the loans, the borrowers, and the security. Your IRA simply receives a check. It is passive, compliant, and efficient.
The Bottom Line
Your retirement funds shouldn’t be held hostage by stock market volatility. Moving a portion of your portfolio into a private mortgage fund allows for consistent growth backed by real equity. It turns “dead capital” into working capital.
If this still feels complex, let’s talk it through. I believe the best partnerships start with a simple conversation—no pressure, just clarity. You can reach me directly at 760-258-4486 or drop me a line at jlloyd@fidelispf.com.yu7u7
See Our Latest Performance Report
Fidelis Private Fund annualized yield paid to Limited Partners for the 4th Quarter 2025. Click here for a summary of Fidelis’s annualized yield since inception.
Fidelis 2028 Vivid Vision – Where are we going and how are we going to get there!
The Fidelis 2028 Vivid Vision document provides a comprehensive blueprint of the company’s strategic direction, core values, and operational principles, highlighting its commitment to capital preservation, growth, innovation, and client-centric services. Click to read the Fidelis vision.