Groundfloor IRA uses custodial fees that are covered by Groundfloor through June 2025. This includes fees for opening and maintaining your IRA account. We'll give at least 90 days notice if we decide to issue fees beyond that date. If you'd like to know more about potential future fees, you can check Forge Trust's current fee structure on their website: https://forgetrust.com/
Originally (June–December 2024), Flywheel charged a 0.25% quarterly fee on your invested position in each subscription window. For example, if you invested $10,000, your fee for the quarter would be $25. If you earned $10 in interest and reinvested it, your next fee would be $25.03. This structure encouraged reinvestment and helped maximize compounding returns.
Starting January 1, 2025, we introduced a simpler structure: a 0.50% fee applied only when capital is repaid. So if your $10,000 investment grew to $10,900 through reinvestment, you’d pay a one-time fee of $54.50 at disbursement. This automated approach reduces friction between investments and often results in lower overall costs—historically, about $2,236 less in fees on a $10 million investment over three years.
If you invest in a Groundfloor IRA and the Flywheel Portfolio, the Flywheel Portfolio's fee will still apply.