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Is using money from my Roth IRA as a down payment for a house the same as swapping my investment for real estate investment?

I am 63 years old, currently married, and have about $150,000 in my Roth IRA. I want to buy my own house, so I propose using at most $100,000 from my Roth IRA for a down payment. Wouldn't that be like swapping stock investment for real estate investment?

Estate Planning, Investing, IRAs, Real Estate, Stocks
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It's difficult to estimate to what extent buying a home represents an investment or a consumer expenditure. However don't kid yourself, withdrawing a substantial percentage of your Roth IRA to use as a downpayment on a home is not the same as swapping stock for investment real estate. 

Within your IRA, selling shares of SPY to buy shares of SCHH is a better example of swapping stock for investment real estate.

Nothing wrong with wanting to own a home, and it may well be a good move, but keep it real!

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April 2019
April 2019