There are several options for partnering funds:

  1. Your IRA can partner with your personal funds. With this option, your IRA would own a designated percentage it can afford, and you would personally own a percentage.
  2. You can partner your IRA with funds that you personally guarantee, such as a home equity line of credit.
  3. Your IRA can partner funds with someone else’s IRA or their personal funds. It is permissible to partner with your spouse, parent, or child. Since you are not transacting with the individual, the disqualified persons rule may not apply in this situation. Check with a professional to be sure to avoid a prohibited transaction.