Investing through an IRA Custodian on Percent

Percent affords accredited investors the opportunity to invest in private credit deals via a custodian IRA. Also known as a self-directed IRA, this investment method allows one to harness the yield-generating power of private credit investments specifically for their retirement.

Investing via a custodian IRA on Percent is also markedly different than investing as a person or entity. Before you opt to invest this way, you must understand three key factors surrounding custodian IRA investments:

Percent does not custody IRA funds

Any desired investment using off-platform IRA cash must be requested through email to the Percent customer success team. Percent will send a notification to all investors advising them of deal launch times. After said launch times, IRA accounts investing through a custodian may initiate an investment request by emailing [email protected] with the name of the offering and the allocation amount.

Deals are funded in order of receipt

Our syndication team utilizes the time stamp of email submissions by custodians when approving or rejecting an allocation. It is also worth noting that investment requests made/received prior to a deal’s launch time cannot be honored. Our operations team will reply via email to all investment requests with appropriate next steps and any potential blockers.

You must sign your subscription agreement form

When an investment is approved, you will receive a subscription agreement form via email from HelloSign, which needs to be signed and submitted prior to the deal’s marketed close date. Failure to sign the subscription agreement before the indicated deadline will result in your allocation being left out of the deal. Once the signed agreement is submitted, no further action is required unless stated/requested by the IRA custodian.

Please note: IRA accounts that wish to roll over principal and interest from a prior deal can do so through the platform itself and do not need to email for such a request.


The Percent team is hard at work in improving the IRA investing process on our platform. We aim to make it as seamless and effortless as all other investing types. If you have any questions or concerns on investing via a custodian IRA, please reach out to our customer success team.

Scott Steinhardt
Author
Scott Steinhardt
Director of Content at Percent
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The information on this website does not constitute an offer to sell securities or a solicitation of an offer to buy securities. Further, none of the information contained on this website is a recommendation to invest in any securities. By using this website, you accept our Terms of Use and Privacy Policy. Past performance is no guarantee of future results. Any historical returns, expected returns or probability projections may not reflect actual future performance. All investments involve risk and may result in loss, including loss of principal. Percent does not render investment, financial, legal or accounting advice.