Can I use my IRA or Pension Plan to invest in a club deal?.

The answer really depends on your jurisdiction.

You could, via a “Self-Directed IRA” (SDIRA). However, strict rules apply.

• UBTI Tax: If the club deal uses debt (leverage), your IRA might owe “Unrelated Business Taxable Income” (UBTI) tax.

• Prohibited Transactions: You cannot invest in a deal where you or your family already control the asset. Always check with your tax advisor first.