Your IRA, More Investing Power

One-click backdoor Roth

Rollovers

The Basic Capital IRA with The Retirement Mortgage helps you have more market exposure, without going over contribution limits

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How it works

The Retirement Mortgage

Just like a home mortgage lets you use an initial balance to buy larger asset, Basic Capital gives you more investing power in financial markets.

We set up a self-directed Limited Liability Company (LLC) within your IRA wholly owned by you.

We invest alongside you with every $1 you contribute.

Invest in a diversified portfolio of broad market stocks, bonds and corporate loans, customizable by you.

This isn't your standard IRA.

Meet the IRA that actually gets you retirement ready.

This isn't your standard IRA.

Meet the IRA that actually gets you retirement ready.

This isn't your standard IRA.

Meet the IRA that actually gets you retirement ready.

Why asset financing works

Credit has powered American wealth building for over a century. Now it's powering long-term investing.

Today's markets reward meaningful participation.

Basic Capital provides financing for productive assets, so your wealth compounds on a larger base.

With duration financing, you benefit from more investing power without being subject to mark-to-market valuation or margin requirements.

We earn alongside you up to a cap, balancing alignment with your goals.

Traditional long-term investing

~7%

10 year average annualized return

$100

Retirement funds

$60 stocks

$40 bonds

Investing through Basic Capital

+10%

yield to customer

Financing

Retirement funds

10% SPY

90% Corporate loans and bonds

The information presented above is for illustrative purposes only and does not constitute financial advice, a guarantee of future results, or a recommendation to take any particular action. Past performance is not indicative of future returns. All investments involve risk, including the potential loss of principal. Individual results may vary based on market conditions, personal circumstances, and other factors. Before making any financial decisions, please consult with a qualified financial advisor and carefully review all relevant documentation.

Traditional long-term investing

~7% 10 year average annualized return

$100

Retirement funds

$60 stocks

$40 bonds

Investing through Basic Capital

+10% yield to customer

Financing

Retirement funds

10% SPY

90% Corporate loans and bonds

Pricing

These fees make it possible for Basic Capital to offer more investing power with duration financing.

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Features include

Mobile app

More investing power

Self-directed IRA

Rollovers

One-click Backdoor Roth conversion

Access to alternative assets

Automatic investing

Automated contributions

Financing cost

Today's markets reward meaningful participation. Basic Capital provides financing for productive assets, so your wealth compounds on a larger base.

While margin loans are cheaper, they are a form of short-term lending subject to margin requirements. Our financing provides greater investing power than margin, with stable, long-term funding unaffected by market swings.

Lending rate comparison

5.13%

Basic Capital financing*

~6.06%

30 year mortgage

~19%

Credit card

~5.1%

Margin loan

Based on publicly available data as of January 2026

Servicing fee

0.5% servicing fee of total assets, paid annually directly from your investments

Financing cost

Today's markets reward meaningful participation. Basic Capital provides financing for productive assets, so your wealth compounds on a larger base.

Lending rate comparison

5.13%

Basic Capital financing*

~6.06%

30 year mortgage

~19%

Credit card

~5.1%

Margin loan

Based on publicly available data as of January 2026

Servicing fee

0.5% servicing fee of total assets, paid annually directly from your investments

Financing cost

Today's markets reward meaningful participation. Basic Capital provides financing for productive assets, so your wealth compounds on a larger base.

Lending rate comparison

5.13%

Basic Capital financing*

~6.06%

30 year mortgage

~19%

Credit card

~5.1%

Margin loan

Based on publicly available data as of January 2026

Servicing fee

0.5% servicing fee of total assets, paid annually directly from your investments

Notes on Building Wealth

We're on a mission to built long-term wealth for everyday Americans.

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